In a garagekeepers policy, how can PIP coverage be acquired?

PIP coverage, or Personal Injury Protection coverage, is typically available as an endorsement in a garagekeepers policy. This means that while it is not automatically included in the base policy or offered as a standalone feature, policyholders can request it as an addition to their existing coverage by paying an additional premium. This flexibility allows business owners to tailor their insurance to meet the specific needs of their operation, ensuring that they have the necessary coverage for employees and customers in the event of an accident.

The endorsement approach makes it possible for businesses to choose how to incorporate PIP into their coverage, reflecting the individual risk management strategies they wish to implement. This adds to the customization available within garagekeepers policies, allowing for a more comprehensive approach to covering potential liabilities.