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Army - Service Records - Officers before 1914 (Military)
Nature of Source
Regimental returns containing information on officers and arranged by regiment. No records of service of the commissioned officers who were appointed before 1793 have survived.
Another potential source of regular army officer information can be found in the Graduation Lists which run from 1901 to 1914 which are available in the open reading room at The National Archives. These lists are similar in scope to the Army Lists.
The key starting point for most army research is to determine which regiment the officer served with. A possible starting point for officer research pre-WWI is to consult the alphabetical card index of officers compiled by staff at The National Archives in the 1970s. The information was extracted from series WO 25 and WO 26 but unfortunately is not complete. WO 25 is also available as part of the Digital Microfilm project. Officer commissions, promotions and discharges have also been published in the London Gazette since the early 18th century.
Birth Marriage and Death certificates for officers and their families as well as wills can be found in series WO 42. This series also includes some information on retired officers and details of officer marriages from 1830-1882. For Also consult Charles Dalton's English Army Lists, 1661-1714 and George I's Army, 1714-1727. The records of some militia officers can be founds amongst series WO 76 and WO 25.
An officer's name can also be found amongst the surviving documents found in series WO 27 covering the years from 1750 to 1914. The series contains regimental inspection returns and amongst other things shows the names of officers present providing his name, age and nationality. Another possibility for finding details of an officer (cavalry and infantry officers only) is to search the Service Returns found in series WO 25. These records consists of surveys of retired officers on full or half pay and were taken for various years from 1809 to 1873. Service returns for Engineers officers can be found in series WO 25 and WO 54 and for Artillery officers in series WO 54 and WO 76 (Records within WO 76 are available to download free of charge as part of the Digital Microfilm project). The Royal Artillery and Royal Engineers published their own lists of officers and these are available at The National Archives and other local and reference libraries.
Service records for all ranks who served after 1920 remain with the Ministry of Defence with each military service maintaining its own record office. The Veterans UK web site provides contact details of where to apply for service records for each of the services.
Where Found
The National Archives (WO 76, War Office: Records of Officers' Services, 1764-1961. The records give the different ranks held by the officer and his services, together with certain personal particulars. An alphabetic name index appears at the front of each volume; WO 25, Commissions and other appointments, records of service and other service matters)
Records within WO 76 are available to download free of charge as part of the Digital Microfilm project or online at Findmypast.
Regimental Museums (Some regimental museums may hold officer service records such as appointments, commissions and promotions. These records may deal with officer service before the War Office assumed responsibility for keeping and maintaining officer records towards the end of the 19th century)
Period Covered
1764 - 1913
Genealogical Value
Name, rank, date and place of birth of officer; Date of appointment, age at the time of appointment, country of origin and date of first commission; His medal awards and foreign service; Marriage details and the names and birth dates of his children.
Further References
Beckett, James Deuchar (ed). The Beckett Soldiers Index, A-C: Jade Publishing, 2003
Beckett, James Deuchar (ed). The Beckett Soldiers Index, D-G Jade Publishing, 2009
Beckett, James Deuchar (ed). The Beckett Soldiers Index, H-K: Jade Publishing, 2009
Bevan, Amanda. Tracing Your Ancestors in the National Archives: The National Archives, 2006
Brereton, J.M. A Guide to the Regiments and Corps of the British Army: Bodley Head, 1985
Blank, Dr. Stuart. Researching British Military History on the Internet: Alwyn Enterprises, 2007
Bridger, Geoff. The Great War Handbook: Pen & Sword, 2009
Cox. Reginald H. W. Military Badges of the British Empire 1914-18: Ernest Benn, 1982
Doyle, Peter. Great War British Tommy Manual: The British Soldier 1914-18 [All Models]-Haynes Owners' Workshop Manuals: Haynes, 2013
Farmer, John, The Regimental Records of the British Army: Grant Richards, 1901 (Free download available at the Internet Archive)
Fowler, Simon. A Guide to Military History on the Internet: Pen & Sword, 2007
Fowler, Simon. Tracing your Army Ancestors: Pen & Sword, 2006
Fowler, Simon. Tracing Your Army Ancestors: A Guide for Family Historians: Pen & Sword Books, 2013
Gaylor, John. Military Badge Collecting: Pen & Sword Books, 2002
Holding, Norman, More Sources of WWI Army Ancestry: FFHS, 1998
Holding, Norman & Swinnerton, Iain. WWI Army Ancestry: FFHS, 4th Edition
James, E.A. British Regiments, 1914-18: Naval and Military Press, 2001
Kitzmiller, John. In Search of the Forlorn Hope: A Comprehensive Guide to Locating British Regiments and Their Records, 1640-WWI: Manuscript Publishing Foundation, 1988
Murphy, Gerry. Where Did That Regiment Go? The Lineage of British Infantry and Cavalry Regiments at a Glance: The History Press, 2009
Pols, Robert. Dating Old Army Photographs: Family History Partnership, 2011
Spencer, William. Family History in the Wars: The National Archives, 2007
Spencer, William. Army Records: A Guide For Family Historians: The National Archives, 2008
Spencer, William. First World War Army Service Records: The National Archives, 2008
Storey, Neil. Military Photographs and How to Date Them: Countryside Books, 2009
Swinnerton, Iain, An Introduction to the British Army: Its History, Traditions and Records: FFHS, 1996
Swinson, Arthur. A Register of the Regiments and Corps of the British Army: The Archive Press, 1972
Tracing Your Family History, Army: Imperial War Museum, 2006
Usher, George. Dictionary of British Military History: A&C Black Publishers, 2006
Watts, Michael and Watts, Christopher. My Ancestor was in the British Army: Society of Genealogists, 2009
www.colonialwargaming.co.uk/Miscellany/Army/Commissions.htm (The Purchase of Officers' Commissions in the British Army, by John Armatys & Robert George Cordery)
www.nationalarchives.gov.uk/records/looking-for-person/britisharmyofficerbefore1913.htm (TNA Guide: Looking for records of a British Army officer up to 1913)
www.nationalarchives.gov.uk/records/looking-for-subject/default.htm (TNA Guide: Looking for a subject, Military history)
www.nationalarchives.gov.uk/records/looking-for-person/default.htm (TNA Guide: Looking for a person, Army)
www.ukmfh.org.uk (UK Military Family History Online: Links to web sites with online data and information to aid in military family history research)
www.armylists.org.uk (Guide to Army Lists and published lists available on CD)
www.angloboerwar.com (Anglo Boer War: Information on the Anglo Boer War 1899-1902 with a forum for discussion of the conflict. Sections include: Biographical information on people who were involved in the Boer War; Details of the medals awarded for the Boer War and other contemporary and South African campaigns; Information on the Imperial, Colonial, South African and Boer units that participated)
www.garenewing.co.uk/angloafghanwar (The Second Anglo-Afghan War 1878-1880. Online resource for those interested in the Second Anglo-Afghan War of 1878-1880. It is also the home of the Second Afghan War database project, a collection of names, family histories and stories concerning those who participated in this lesser-known campaign)
www.britishbattles.com (British Battles. The site gives you the battles fought by Britain and its Empire forces from the 18th Century to the end of the 19th Century, illustrated and mapped)
www.parishchest.com (Online store selling military records from a variety of suppliers)
www.veterans-uk.info/index.html (Veterans UK)
www.armymuseums.org.uk/ancestor.htm (Ancestor Research & Military Genealogy)
http://archive.iwm.org.uk/server/show/nav.3240 (Imperial War Museum, Your History, Family History: Army: Information sheets include Tracing Army Ancestry, Army Service Records, Tracing Army Units and List of Abbreviations)
www.globalgenealogy.com/globalgazette/gazfd/gazfd44.htm (British Military Records: The Army by Fawne Stratford-Devai)
www.militaryarchiveresearch.com (Military Archive Research, by Dr Stuart C Blank)
www.britishbadgeforum.com (The British and Commonwealth Military Badge Forum
British Cavalry Badges. Forum devoted to those with an interest in military badges and military badge collecting. Sections include British Cavalry Badges, Bibliography of Military Insignia and a Glossary)
www.genuki.org.uk/big/MilitaryRecords.html (GENUKI Military guide with useful links)
www.genuki.org.uk/big/BritMilRecs.html (British Military Records by Jay Hall)
www.armymuseums.org.uk (Guide and links to military museums in the UK)
www.nas.gov.uk/guides/military.asp (National Archives of Scotland Research Guide: Military Records)
Online Databases
www.forces-war-records.co.uk (Military Genealogy Forces War Records: Military records of over two million British Armed Forces personnel cross matched with over 4000 Regiments including Rolls of Honour, Crimean and Boer War Databases, Medal Rolls and Casualties Lists. The site also has a facility to access information on specific units or bases including regiments, ships, airfields)
www.findmypast.co.uk (British Army Service Records 1760-1920: The collection includes a myriad of Army forms including attestation papers, medical forms, discharge documents, pension claims, and proceedings of regimental boards from 11 different series of records from The National Archives. The dataset includes records from series WO 76 which has records of officers' services)
www.findmypast.co.uk (Peninsular War, British Army Officers 1808-1814. Compiled shortly after WW1 by Captain Lionel S. Challis of the Queen's Westminster Rifles, the Peninsular War, British Army Officers records list over 9,000 officers who fought for control of the Iberian Peninsula during the Napoleonic Wars)
www.findmypast.co.uk (British Army Officer Promotions, 1800-1815. The dataset lists the details of Wellington's officers who went on to defeat Napoleon in 1815. Each record comprises a transcript of the promotion which was originally announced in The London Gazette)
www.findmypast.co.uk (Royal Artillery Officers 1716-1899. Search more than 7,000 names of Royal Artillery Officers from the List of Officers of the Royal Regiment of Artillery published in 1900)
http://archive.sandhurstcollection.org.uk (The Cadet and Staff Registers of the Sandhurst Collection: Details for almost every officer cadet at the Royal Military Academy Woolwich, covering 1790-1793, 1799-1805, and 1820-1939 and the Royal Military College Sandhurst, covering 1800-1946. Staff registers are also included, though less informative)
www.findmypast.co.uk (Register of the Second Anglo-Boer War 1899-1902. The records contain over 258,800 names, including a completely revised casualty list of 59,000 casualty records)
www.ancestry.co.uk (Casualties of the Boer War, 1899-1902: The database lists the names, regiments, dates, locations and nature of casualty of all officers and men of the South African Field Force from the outbreak of war. The data is also available at www.military-genealogy.com)
www.militaryarchive.co.uk (The Military Archive: The site incorporates three extensive sets of resources: 'Murphy's Register' which has an index of records and photographs of individuals who served in British and Allied Forces from 1880's through to 1935, with a particular emphasis on the Great War: 'The Rolls' which can identify and confirm details from official records with regards to medals awarded: 'The Library' is a large, searchable online collection of divisional and regimental histories, and rolls of honour)
www.glosters.org.uk/soldiersearch (Transcribed summary service details of officers and men who served with the 28th North Gloucestershire Regiment during the 19th Century or the Gloucestershire Regiment in WWI. Database courtesy of Mr. J. Devereux)
www.casus-belli.co.uk (The Register of the Anglo-Boer War 1899-1902: Database that lists men and women who served in the British Imperial Forces during the Anglo-Boer War. The register includes soldiers, sailors, nurses and civilians as well as a casualty roll. The data is compiled for sources such as Official Casualty Rolls, A Gazetteer of the Second Anglo-Boer War 1899-1902, Medal Rolls, Anglo-Boer War Memorials Project and Winifred Scott's Anglo-Boer War Index. The Register will state whether the person listed has an entry in series WO 97 held at The National Archives. For a full list of sources see the website)
CD Roms
Surrey History Trust (Surrey Recruitment Register, 1908-1933. details of about 85,000 men who signed up for service in Surrey between 1908 and 1933, including volunteers and conscripts in World War I)


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All Posts Tagged Tag: 'Lady Elizabeth Vallance'
A blog to say Farewell and Happy Christmas!
Its been a very long goodbye, but the moment to say "Farewell" as Chief Executive of I CAN is fast approaching. I CAN celebrated its 127th birthday on 26 November. I've only been responsible for the most recent ten and a half of those years. With such a distinguished history, all any one person can do is serve the charity …Read More
Rt Hon Michael Gove MP visits I CAN's Meath School
Today (Friday 6th July) Education Secretary Rt Hon Michael Gove MP visited I CAN's Meath School in Ottershaw, Surrey to meet with pupils, parents and staff. Meath School is a special school run by I CAN, the children's communication charity, for children aged 4 to 11 years with severe and complex speech, language and communication needs (SLCN), including Asperger's Syndrome. Meath …Read More

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You can join or support these Scouts as the bike through your area. Check out their itinerary, follow along, or request to join them HERE.
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The first Bike Jamboree that took place in 2015 took Scouts from Poland through Europe, Minor Asia, Middle East, Central Asia, China, and up to Japan for the 23rd World Scout Jamboree. Over seventy participants took part and collectively travelled almost twelve thousand kilometers. The journey took nine different stages and lasted seven months. In each stage, 8 bikers took part, each biking anywhere from 750 to 1800 kilometers.
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According to the founders of this project, the first Bike Jamboree was a great success! And now, they are again undertaking the same adventure, but on a much larger scale. This time, they will end up at the Summit Bechtel Reserve for the 24th World Scout Jamboree and then travel back to Poland. In addition, this year's route will be much more difficult and exciting – it will take 2 and a half years and will cover much more distance, circling the entire globe! Thats 35,000 km (21,748 miles), 34 stages (3-4 weeks each), and 21 countries.
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Check out more photos from their adventures on the Bike Jamboree Instagram!


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Date: Apr 17 2019, 3 p.m.
Library - Second St. Bldg. 331 Fort Irwin 92310 Google Map
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Garage liability insurance refers to insurance needed for auto repair shops, auto dealerships, tow truck drivers, and service stations. The primary coverage type is general liability insurance, which covers third-party bodily injury and damage or theft of machinery. The annual cost of garage liability insurance typically starts between $300 to $1,000 annually.
Garage liability insurance refers to insurance coverage needed for auto repair shops, auto dealerships, tow truck drivers and service stations. The primary coverage type is general liability insurance, which covers third-party bodily injury and damage or theft of machinery or vehicles on your premises. The annual cost of garage liability insurance averages $300 to $1,000 annually.
Providers such as CoverWallet make getting garage liability insurance for your small business easy with online quotes and experts available to provide individual guidance and make sure you are properly protected. Complete a free, no obligation questionnaire online and get covered in minutes.
Garage Liability Insurance Providers
Small businesses working in the automotive industry often need garage general liability coverage and other insurance policies. The best insurance providers can price policies competitively and address the unknown needs many business owners don't realize exist. Not every insurance carrier offers garage general liability; don't confuse it with other general liability policies.
Top Garage Insurance Providers
|Best For
|New and used car dealerships
|Auto repair and auto body shops
Mechanics seeking multiple policies
|AP Intego
Auto glass installation companies
|Liberty Mutual Insurance
|Tow truck companies and impound yards
Here are five providers that offer great garage insurance programs.
CoverWallet is an online insurance broker utilizing technology to quickly compare multiple quotes from top insurance carriers they partner with. The award-winning platform is designed with small business owners in mind, removing much of the insurance jargon and replacing it with easy-to-understand information so that businesses understand how to choose the proper coverage.
CoverWallet platform is a great choice for car dealerships, both new and used. The insurance partners CoverWallet works with are capable of handling the high dollar value of a thousand cars on a lot or the risk of consumers on test drives. Being able to compare policies helps small business owners see where their premium dollars go with each insurance carrier.
Farmers is a national insurance carrier specializing in insurance for small business owners, including small businesses in the garages and others in the auto industry. Farmers offers a variety of policies needed to protect garage owners from slip-and-fall accidents, damage to customers' vehicles, and workmanship mistakes.
Farmers is a great choice for auto repair shops and auto body shops that have cars stored on-premises or at another location while being worked on. Agents at Farmers are available for policyholders seeking to implement better solutions for safety and loss mitigation, keeping premiums down and customers happy.
CoverHound is an insurance broker that allows you to compare multiple policies from top carriers. Their online application is fast and easy, or you can call to speak with a representative directly.
When operating a garage there are many factors to consider. You need to cover damage to equipment, botched repairs on clients' vehicles, courtesy vehicles, and potentially even personal injuries. CoverHound will connect you to a variety of insurance providers so that you can select the policies that are the best fit for your business, covering exactly what you need.
AP Intego
AP Intego offers you the ability to work with licensed agents to shop and compare multiple quotes from industry leading companies like Travelers and AmTrust at competitive prices. AP Intego matches businesses to insurance policies for virtually any field, including garage liability insurance and garagekeepers policies. They are a leading innovator of pay-as-you-go policies that particularly benefit companies requiring workers' compensation insurance.
AP Intego is a good fit for auto glass installation companies because of the mobile nature of the business. AP Intego has providers who understand the need to protect employees and materials in transit, installations at in-house shops, third-party repair facilities, or consumers' homes. The need to protect risks in all of these scenarios is unique in the automotive services industry, and AP Intego addresses exactly that.
Liberty Mutual Insurance
Liberty Mutual Insurance is a national brand for personal and commercial insurance products including garage liability insurance and garagekeepers insurance. With local agents across the country, Liberty Mutual is able to give small business owners higher personalized attention that helps mitigate risk and reduce premiums based on accurate business underwriting practices.
Liberty Mutual Insurance is a good fit for a tow truck company or impound yard that hitches and transports vehicles with tows or semi-truck rigs. Incidental damages often occur when roadside assistance is provided or vehicles need to be moved within a space impound yard. Liberty Mutual Insurance rolled out The Liberty Mutual Trinity Towing Program to directly address these risks.
How Garage Liability Insurance Works
Garage liability, also called auto repair shop insurance, extends beyond repair facilities. This policy pays for claims or lawsuits if someone is injured or someone's property (other than their vehicle) is damaged. It pays claims if someone slips and fall injuries or personal property damage such as a customer's laptop that accidentally gets broken.
Garage insurance tends to be more expensive than other general liability policies due to the nature of the work with many tools and potential hazards such as contaminants. There are two primary considerations to understand these policies: what party is insured and what is the limit of insurance. The small business is the insured party, often starting with $1 million in liability coverage per occurrence.
Hydraulic lifts, heavy machinery, and tripping hazards are just a few of the common hazards in an auto repair shop that can lead to injuries covered by garage general liability insurance. Vehicles damaged under the care, custody, and control of the small business must be covered by garagekeepers insurance.
What Garage Liability Insurance Is
Garage liability insurance covers the financial costs of medical bills, personal property damage, and legal fees associated with third-party incidents on the business premises or from business interaction. This might include a stranded driver tripping on a tow truck driver's chains, falling, and requiring medical attention.
What Garage Liability Insurance Covers
Garage liability insurance is a specialized general liability insurance policy for any business in the automotive industry. It is a specialized policy due to the increased risks of foot traffic and potential injury or property damage. The policy pays claims to third-parties such as consumers, vendors, or bystanders who may become injured or have property damaged as a result of normal business operations.
The types of incidents covered by garage liability insurance include:
- A car owner misstepping and falling down into the oil pit, breaking her leg.
- A child climbing on the tow truck and knocks his head on the boom resulting in a concussion.
- An elderly man is on a test drive for a sports car, and the sales representative tries to impress him with high-speed turns that trigger a heart attack.
- A patron of an emissions testing center is waiting for his car, working on a laptop. An employee walks past with a cup of coffee, getting bumped and spilling the coffee on the laptop, ruining it.
What Garage Liability Insurance Doesn't Cover
Garage liability insurance does not cover professional liability claims or damage to the vehicles under the care, custody, and control of the business. This means auto repairs that are not done properly are not covered, nor is the actual vehicle if it is damaged or stolen from the business while being worked on. These types of claims will need a separate policy. Most of the incidents are covered by garagekeepers insurance with incidents, such as the brake failure being covered by professional liability insurance.
Garage Liability Insurance vs Garagekeepers Insurance
Garage liability insurance covers third-party claims of injury and damage to property except for the actual vehicles owned by clients or in the inventory. Garagekeepers insurance pays for repair or replacement of vehicles or vehicle parts damaged, lost, or stolen in the course of business operations or after-hours while being stored. Garagekeepers covers businesses with one or more locations.
The types of incidents covered by garagekeepers not garage liability insurance include:
- Thieves steal a Tesla in the middle of the night from the auto body shop fixing it
- A fire breaks out in an impound yard, damaging five vehicles
- The pulley holding a truck's engine snaps and drops the engine, cracking it in several places
- A new Nissan Pathfinder is damaged during a test drive
- Repaired breaks fail a day after being fixed resulting in an accident
Who Needs Garage Liability Insurance
Garage liability insurance is for any business selling, transporting, or fixing vehicles. Vehicles include individual or fleets or automobiles, trucks, motorcycles, tractor-trailers, and trailers. General liability insurance might be required by landlords wanting to protect their assets should business activity lead to a claim.
Common small businesses that need garage liability insurance include:
- Auto body shops
- Auto repair shops
- Service stations
- Auto glass installers
- Emissions testing centers
- Oil change and lube shops
- Detailing shops
- Tow truck operators
- Parking garages
- Car dealerships
Any business working on or with vehicles needs to have garage liability insurance. While it isn't mandatory except in certain state business licensing environments, garage liability insurance is critical to preventing a financial disaster for small business owners who can't afford to replace a car.
"Every auto repair professional needs to make sure that their garage and the customers are covered in case of any accidents that can cause bodily injury to the customers or damage to their vehicles. Coverage should include risks like theft or property damage related to a part or a technician."
― Jesse Yuvali, Owner, Jesse's Garage European Auto Repair
Garage Liability Insurance Costs
Annual garage liability insurance costs typically fall between $300 and $1,000. However, when all relevant coverage types, such as garagekeepers insurance, commercial vehicle insurance, and workers' compensation are added, the total annual cost for small business owners ranges from $2,000 to $6,000 in premium.
Typical Garage Insurance Costs & Deductible
|Coverage Type
|Garage Liability
|Commercial Auto
|Business Contents
|Workers' Compensation
Premiums vary by state with workers' compensation insurance having the widest variances based on payroll, specific business, and state ratings.
Garage insurance costs are dependent on activity and risk. Physically larger shops have increased the risk of injury as do shops with higher foot traffic. Insurance companies may use annual revenues as an indicator of overall risk.
Garage Insurance Needs
Every small business has different insurance needs. At the very least, any business in the automotive industry should have garage liability and garagekeepers insurance. If the business has any employees, workers' compensation is required. Other insurance policies to consider include professional liability, business property, commercial vehicle, and business interruption insurance.
Garagekeepers Insurance
Garagekeepers insurance covers your customer's vehicle if it is damaged while left in your care or at your shop overnight. This coverage is not the same as general liability, which covers bodily injury and property damage resulting from your work or negligence. Garagekeepers insurance will cover damage not caused by you, such as fire, theft, and weather.
For example, let's say your customer leaves her vehicle at your shop overnight for repair. When you return to the garage in the morning, you discover that someone has vandalized the vehicle. Garagekeepers insurance will cover the cost of repairs. If you keep your customers' vehicles in your care even for short durations, you'll need this insurance coverage.
Workers' Compensation Insurance
Workers' compensation insurance pays for your employees' work-related injuries, medical bills, loss of income, and more. It's important to note that if an employee receives workers' comp wages while he or she is injured or ill from something that happened while on the job, he cannot later sue you for the incident.
For example, a mechanic severs a finger in a winch gets a long-term disability settlement via the workers' compensation policy and is unable to return for more later via lawsuit. The cost of coverage depends upon risk exposures and the number of employees working for you. Workers' compensation is required in most states for business owners that have one or more employees.
Commercial Vehicle Insurance
Any vehicle used for business purposes must be properly registered and have commercial vehicle insurance will cover third-party liability to property, other vehicles, and bodily injury in at-fault accidents. This is important coverage for tow trucks, courtesy shuttles, parts delivery, and all other vehicles used for business purposes.
While commercial vehicle insurance often has an option for medical payments coverage to pay for drivers and passengers of the vehicle in an at-fault accident, employee drivers are covered by workers' compensation with medical payments only being additional coverage if workers' comp limits are met.
Professional Liability Insurance
Professional liability insurance protects a small business against claims and lawsuits that work was done incorrectly or not to professional standards, leading to loss or injury. The need for professional liability insurance increases when a business has more people working on vehicles that could potentially lead to error.
For example, a glass installation shop replaces a windshield. In a week, the car owner is driving down the highway when a small pebble hits the windshield, shattering the entire windshield and injuring the driver. The insurance company investigation demonstrates that the windshield failed due to installation error leading to a professional liability claim.
"It's pretty rare to find any garage that has professional liability. The garage liability itself, while it excludes workmanship, provides coverage for consequential damage as a result of their work. For example, [they do] an oil change, and they forget to add back oil when they're done, resulting in a ruined engine. The oil change isn't covered, but the engine would be. [Another example would be if] a tire falls off after having them rotated."
― Brad Schmid, Risk Advisor, CBIZ, Inc.
Business Interruption Insurance
Business interruption insurance covers a loss of income if your shop suffers damage and is forced to close temporarily due to a covered event. It can also pay for additional leased space to run business operations while the primary location is unusable.
For example, if a fire did extensive damage to an auto body shop, closing it for business for several months, the lost revenue is recovered by business interruption insurance. Garage business owners that work in a location or environment that is at risk of fire or extreme weather may consider getting this coverage.
Commercial Umbrella Insurance
Commercial umbrella insurance extends the limits of liability coverage on other lines of commercial insurance. It is a cost-effective way to increase coverage on garage liability, professional liability, workers' compensation, and commercial auto insurance policies. It is cheaper to buy an umbrella policy adding an extra $1 million in coverage than expanding coverage on all policies.
For example, a courtesy shuttle with an employee driver and four passengers is involved in a serious at-fault accident that involved three other vehicles. The commercial auto insurance will cover the damage to the other vehicles and injuries to their drivers and passengers. Workers' compensation covers the injuries to the driver. Garage liability covers the passengers in the courtesy vehicle. If all of these liabilities exceed the individual policy liability limits, the umbrella kicks in and pays the difference up to its policy limits.
Business Owner's Policy
Many carriers are now offering a combined garage liability and garagekeepers insurance policy rolled into one policy in a specialized business owner's policy (BOP). These policies combine the general liability, business property, business interruption, and customer vehicles in the care, custody, and control of the shop into one policy. BOPs are cost-effective, often less expensive than getting individual policies because insurance carriers reduce costs with underwriting and administering the risk collectively.
Tips on Getting Garage Liability Insurance
There are many different types of businesses associated with the automotive industry like muffler shops or tire shops. This means that the respective insurance needs will vary among businesses. To help determine the best coverage for you, there are a few key pointers to remember.
Understand Your Business Needs
Complete a business profile to present to the insurance carrier to make sure all pertinent risks are addressed. While you may be calling for garage liability, knowing you also need business property, garagekeepers, and workers' compensation helps to price the risk properly. You may also get discounts for having certain policies at the same insurance carrier.
Have Relevant Documents and Figures
Most insurance policy premiums are rated based on revenues, property value, and payroll. In the case of garage liability insurance, the carrier will want to know your revenues, property location, business structure, years in business as well as the years of industry experience the owners have. Having all pertinent documents ready expedites the quoting process, especially if you have an auto shop loan that requires the insurance.
Shop Rates Among Different Carriers
Different insurance carriers have different risk tolerances in different states (even counties). It is worth shopping your insurance needs around to various carriers to ensure you get the best possible rate for the right coverage. Make sure you go through the line items confirming the proposed quotes are apples-to-apples comparisons.
Garage Insurance Frequently Asked Questions (FAQs)
Buying insurance to protect your business is not always easy, especially if you don't know what to look for. If you still have questions after reading this article, please drop a comment below or visit our forum. Our mission is to provide you with the best answers to your questions.
Is a mechanic liable for damages from repairs?
Mechanics are liable for the damage resulting from incorrectly done repairs. Auto services companies are expected to perform duties in a professional manner than keeps cars functional and safe. If improper repairs result in property damage or injury, a professional liability insurance policy covers it. If a shop doesn't have this insurance, the injured party can file a lawsuit.
What happens if a garage damages your car?
A car in the care, custody, and control of an auto shop is the responsibility of the auto shop. Garages should have both garage liability insurance and garagekeepers insurance to pay for claims from accidental damage to cars in their care. Claims on these policies include loss due to perils such as theft, vandalism, or fire.
Do car dealers have insurance?
Car dealer insurance is called garage liability and garagekeepers insurance. These two policies combined protect the business in different ways. Garage liability covers third-party injury and property damage. Garagekeepers insurance covers claims that the dealer may have damaged someone's car like when they bring their car in for an oil change.
Bottom Line
Garage liability insurance is the number one insurance that protects a small business in the automotive industry from third-party claims of injury or property damage other than consumers' vehicles. To cover vehicles in the care of the business requires garagekeepers insurance. The two policies together are the foundation for covering the most expensive risks these businesses face.
CoverWallet makes it easy to combine these two essential policies into one with its garage business owner's policy. In five minutes, garage owners can get a competitive quote that covers the biggest risks and includes business interruption coverage all combined into one easy-to-understand policy.


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RELATED: Star Trek: Discovery: 5 Things They Kept The Same About Spock (And 5 Things They Changed)
Shatner then gave a definitive answer on the subject. "So no, I would not be interested in doing a series, per se," he said, "but I will be on the air in something this year in something I can't tell you about right now, but you'll hear about it soon, and maybe on two and maybe even three shows that'll be on for 10, 12, 14 episodes."
Kirk died in 1994's Star Trek: Generations, which proved a controversial for many fans of the series. However, there's always the possibility that a younger version of the character could appear at some point, as has been the case with Spock on Star Trek: Discovery. Still, it doesn't sound like there will be a revival series starring the now 87-year-old Shatner any time soon.
CBS already has several Star Trek shows on its slate, including Discovery, an animated series for younger viewers and Lower Decks, an animated comedy from Ricky and Morty writer Mike McMahan. There are also reportedly talks for a series focused on Discovery's Emperor Georgiou.
KEEP READING: Star Trek: CBS & Nickelodeon Developing Animated Series for Younger Viewers


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Partner - Jo Wise
Jo has extensive experience of working in broadcast media and creative industries. She has worked across a wide range of organisations including the NHS..
Partner - Jacqueline Glynn
Jacqueline (a professionally qualified (ACCA) accountant) has over 20 years experience of working in the commercial sector in a variety of roles..
Partner - Leanne Hoffmann
Leanne is a coach, trainer and consultant specialising in leadership, employee and organisational development, with 20 years experience working in management..
More about us
We are committed to the reality of healthy minds at work. We deliver specialist support and target wellbeing through increasing emotional intelligence and learning about mental health. Our team of psychotherapists combines extensive clinical expertise with commercial experience within:
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The results of the training were a more consistent, professional and structured system for performance management across the organisation, with objectives in place for each team member and linked to those of the organisation.
Leanne is a person of high integrity who is utterly dependable and a coach who takes pride in what she does and gains great pleasure from supporting her clients to the best of her ability.
Jo, Jacqueline and Leanne have run workshops in the school to enhance our understanding of emotional resilience and are extremely skilled at identifying how best to use their own specific skill sets to support individuals.
Line managers [now] feel far more confident and able to engage with staff about performance.
Leanne is highly supportive and enjoys creating a safe environment where people are happy, and willing to dig deep into themselves to find what's holding them back.
Through my own supervision and workshops at the school we have ensured wellbeing is at the heart of our school improvement work.


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Customer Reviews
I really like it , but it's fall and cold so the water is ice cold..but it does the job.
It's easy to install, use, and does and amazing job cleaning the ole brown eye. I've never felt so clean down there. The water temperature is a complete non issue, don't waste your money buying one with a heater. I wish I would have bought one years ago. It's an amazing product for a great price and it's made in USA!!!
Thank you for making it so easy to use and attach
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I was dubious about the bidet initially, but now I am definitely sold. I thought the cold water would be a problem - nope! The installation is easy. I ordered a second one for our other bathroom. My only critique would be the moderately excessive packaging.
Great purchase. Wouldn't live without it now. Nothing like feeling clean getting off the pot.
I'm enjoying my new Whisper bidet. One suggestion re: installation. Advice about which holes to position the toilet seat in would be useful. I found that with the elongated seat toilet I have the holes farthest to the back work best. That is, it moves the nozzle farther forward in the bowl for the perfect position for me. Perhaps trial and error is the best method but I just thought I'd mention it. Great instructions, very clear, no leaks. Thank you so much for a great product.
Whisper Bidet
Pretty good, first time "users". Bracket that holds it down could have been designed better. It's seems to cream and you worry it may break. Satisfied with the purchase
Easy to install, works great, definitely recommend!


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Power structures news
Russian Defence Minister General of the Army Sergei Shoigu took part in the session of the DOSAAF Supervisory Council
According to him, there is a positive trend in the field of development of physical education and sports
Final round of consultations on the Russian-Mongolian joint exercise "Selenga-2016" to be held in Ulan-Ude
At the planning conference representatives of the Eastern MD and the Armed Forces of Mongolia will bring into line the scenario of the exercise and schedule of cultural and sport events.
Admiral Grigorovich newest frigate of the Black Sea Fleet arrived in Sevastopol
Crew under command of Captain II rank Anatoly Velichko completely finished the programme of state trials and the flag of the Russian Navy was raised on May 11.
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Heads of SCO military departments agreed on developing coordination in providing security
This was stated by Deputy Defence Minister Anatoly Antonov while summing up results of session of SCO Defence Ministers held in Astana.
Russian Defence Minister met his Kazakh counterpart in Astana
In the course of the talks, General of the Army Sergei Shoigu and Imangali Tasmagambetov shared opinions on the problems of international and regional security as well as on the implementation of joint projects in the military sphere.
Russian paratroopers will get acquainted with Special Task Force training of the Angolan Armed Forces
Delegation visit of the Russian Airborne troops to the Republic of Angola is held according to the international activity Plan of the Russian Federation Ministry of Defence.
Russian Deputy Defence Minister Anatoly Antonov met the Secretary to the Ministry of Defence of the Democratic Socialist Republic of Sri Lanka Karunasena Hettiarachchi
The parties positively estimated the developing cooperation.
Russian Defence Minister General of the Army Sergei Shoigu held the defence department Board session
Main tasks of combat training of the Russian Armed Forces for the summer training period and training of junior specialist training were discussed.


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Chic Ambience, Great Music, Tasty Food… what else do you need? It's a perfect place to relax and enjoy your drinks with ear-pleasing music. Cocktails are damn good here. One thing that I would recommend you to try here is "Sangria." Don't forget to try that. They offer the best Sangria in Nagpur.
© Skyscanner Ltd 2002-2019 Χάρτης ιστότοπου


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The Galaxy S9 is a device made by made by Samsung (click to view other devices from Samsung).
- Samsung Galaxy S9 and Galaxy S9+ — The Definitive Ausdroid Review, posted 26 March 2018
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Boost mobile is now offering selected refurbished iPhones, Samsung Galaxy and Google Pixel smartphones at some reasonable prices. The smartphones, which have been refurbed by Boost mobile and are only available through the Boost website include: Samsung Galaxy devices from: Samsung Galaxy S7 – $399 Samsung Galaxy S7 Edge – …Read More »
Samsung security updates wouldn't normally be the subject of a news article, but the recent update for the Galaxy S9 and S9+ has brought Night Mode to the phone's camera app. The update follows on from the S10's upgraded Night Mode released in mid-May. Rumour was that the S9 would …Read More »
Linux on Dex is a very interesting product; it takes your existing phone or tablet (provided its compatible) and turns it into a fully functional desktop option running Ubuntu Linux. It was originally available to the Tab S4 and Note 9 shortly after launch, but the product range is now …Read More »
The Bixby button spent the first six months of its life without any singular function. Once Bixby arrived for the phones the button finally had a function, albeit only being Bixby. What followed was a game of cat and mouse between developers and Samsung over that Bixby button with developers …Read More »
After finding that testing was essentially complete for carriers in Australia, it appears Samsung has begun rolling out the Android Pie update for Galaxy S9/S9+ and Note 9 handsets in Australia. The update is heading out to both retail and carrier branded handsets from Telstra, Optus and Vodafone updating the …Read More »
The long awaited Android 9.0 (Pie) update with the new Samsung One UI is set to roll out to carrier branded Samsung Galaxy S9, S9+ and Note 9 handsets in Australia with testing on the update in progress or completing at carriers now. Testing on the latest update is completed …Read More »
At this stage of the year we are talking a lot about the Samsung Galaxy S10 and it's upcoming release but we often fail to miss an important note: there is nothing at all wrong with the Galaxy S9 which was released just nine months ago. For those in the …Read More »
If you're in the market for a new phone, specifically a Samsung phone then you can cash in on a decent deal with the Samsung Australia offering either a 512GB microSD card or USB battery pack when you purchase a new phone. Samsung Australia is offering anyone purchasing a Galaxy …Read More »
Samsung launched the Galaxy S9 nine months ago now, and as with most companies they tend to use new colour variations to reinvigorate sales as time goes by. The latest is a simply gorgeous Ice Blue gradient colour variant. The Ice Blue gradient starts off in a very low-key blue …Read More »
At the developer keynote in San Francisco last week, Samsung unveiled the latest iteration of their User Interface (UI), announcing Samsung One UI. The new UI is heading to the Galaxy S9/S9+ and Note 9 as part of the Pie update in 2019. It seems the 2018 flagships will also …Read More »
With the release season just around the corner, Samsung have taken the initiative to drive further sales to their current crop of phones by offering a free pair of JBL Headphones to anyone who upgrades to an eligible device by the 18th of November. The offer is available through the …Read More »
The annual release of Android updates to flagships is currently a big focus, with Samsung currently working on their update. An early build of Pie for the Galaxy S9 has shown up on XDA-Developers showing a fairly major redesign. The build being shown off is fairly early, with a number …Read More »
If winter is getting you down, Samsung has a solution for you – its the latest addition to the Galaxy S9 and S9+ range, now in Sunrise Gold. The company says that the new colour is meant to capture the warmth of the rising sun with a glossy reddish glow, …Read More »
Can you believe it? Samsung's Galaxy S9 is already three months old; they grow up so fast these days. While the neon-drenched S9 launch feels like it was just days ago, three months is almost an eternity in telco time: we've got "unlimited" data plans now, Virgin Mobile is fading …Read More »
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(THUNDER BAY, ON) – The Thunder Bay Police Service would like to remind the public to be extra cautious around waterways and to call 911 to report any risky activity observed in these areas.
Temperatures continue to drop, which increases the risk of hypothermia and drowning for anyone who may find themselves in the water. For incidents involving people in the water, a quick response by first responders is critical.
Such a response was required on the weekend after first responders were dispatched to McVicar's Creek on Algoma Street shortly after 3:30 p.m. following reports of a man trapped in the water.
Police officers and firefighters arrived and learned a male was on his back and nearly submerged in the water.
A good Samaritan had already attempted to pull the male from the creek, but was unable to bring him all the way to shore. Meanwhile, another bystander waited at the scene for first responders to relay information to them.
A Thunder Bay Police Service officer and Thunder Bay Fire Rescue firefighter entered the water and were able to bring the man to safety.
During incidents like this, calling 911 and remaining at the scene to assist first responders with information can help make a life-saving difference.
As temperatures continue to drop area waterways will begin to partially freeze over, creating new risks for citizens in these areas. If you observe risky behavior that could result in a person in the waterway, you are urged to call 911.
Source: TBPS
Police shouldn't even be jumping in to save them. If these people are THAT stupid after how many of them get drunk and end up drowning and start whining that the cops are throwing them in there. Give your head a shake. Again, if their that stupid leave them in the water for all ANYONE cares


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Levels of Care
- Inpatient
- PHP (Partial Hospitalization Program)
- IOP (Intensive Outpatient Program)
- Mental Health
- Dual Diagnosis / Co-Occurring
Facility Type
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Populations Served
- Children
- Adolescents / Teens
- Adults
Payments Accepted
- Self Pay
- Commercial Insurance
About San Jose Behavioral Health
San Jose Behavioral Health is an 80-bed inpatient hospital that provides comprehensive treatment services for adult men and women, age 18 and older, who have been struggling with a variety of behavioral issues and mental health disorders. The list of disorders that we treat includes, but is not limited to, anxiety disorders, bipolar disorder, depressive disorders, obsessive-compulsive disorder (OCD), posttraumatic stress disorder (PTSD), schizoaffective disorder, and schizophrenia.
We can also accept patients whose behavioral or mental health issues are accompanied by certain physical health problems, including asthma, bronchitis, diabetes, and chronic obstructed pulmonary disease (COPD). However, we cannot accept men or women who have autism spectrum disorder, eating disorders, severe dementia, or who need intravenous (IV) therapy. Also, we do not provide detox or any other services for the treatment of substance use or chemical dependency.


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Most Honolulu high-rise tenants allowed to return after fire
HONOLULU — Karen Hastings was in her 31st floor Honolulu apartment when she smelled smoke. She ran out to her balcony, looked down, and saw flames five floors below.
"The fire just blew up and went flying right out the windows," Hastings, 71, said of the first moments of the high-rise blaze that killed at least three people and injured 12. "And that was like a horror movie. Except it wasn't a horror movie, it was for real."
The fire broke out Friday in a unit on the 26th floor, where all three of the dead were found, Fire Chief Manuel Neves said. Two of the victims were identified as Hawaiian Airlines in-flight manager, Britt Reller, 54, and his mother, Melba Jeannine Dilley, 85.
The building known as the Marco Polo residences is not required to have fire sprinklers, which would have confined the blaze to the unit where it started, Neves said. The 36-floor building near the tourist mecca of Waikiki was built in 1971, before sprinklers were mandatory in high-rises. It has more than 500 units.
Late into the night as embers smoldered, firefighters searched the damaged areas to make sure no additional people died.
Hastings said the flames drove her and a neighbor to run down 14 floors until they found a safe stairwell to get some air.
The building is vast and wave-shaped, and has several sections. The blaze was mostly confined to a single section, and only the units immediately above it and to the side of it were evacuated, while many residents stayed inside.
Most evacuations went calmly and smoothly, security guard Leonard Rosa said. The Fire Department said Saturday morning that most residents would be allowed to return home, but the 26th through 28th floors will remain closed because of extensive fire, water and smoke damage.
Honolulu Mayor Kirk Caldwell said the city needs to look at passing a law requiring older buildings to be retrofitted with sprinklers.
"The biggest argument is the affordability," Caldwell said. "Residents have to pay. It's pretty expensive. But if it saves a life and it's your life, it's worth the cost."
No one from the building said they remembered recent fire drills, but Anna Viggiano, who lives on the sixth floor, said there were some after a 2013 fire that broke out two floors above her.
"It was scary," she said. "It was terrifying."
Jennifer Sinco Kelleher, Marco Garcia and Audrey McAvoy are Associated Press writers.