Which endorsement is specifically designed for garages and car dealerships?

The endorsement specifically designed for garages and car dealerships is the OPCF 4, also known as the "Garage Policy". This endorsement provides coverage tailored to the unique risks faced by garage owners and car dealerships. It includes policy features that address vehicles in the care, custody, or control of the dealership, as well as liability coverage for operations related to garage activities.

The importance of the OPCF 4 lies in its ability to offer protection against potential losses that could occur while vehicles are on the property or being serviced, which is critical for any business dealing with automobiles. This endorsement ensures that businesses in this sector are covered for the activities they commonly engage in, differentiating it from other endorsements that may not cater to such specific needs.

Other endorsements listed, like OPCF 2, OPCF 16, and OPCF 20, serve different purposes, providing coverage options for personal vehicles, additional cover for specific types of loss or damage (such as endorsement for hire vehicles), but do not address the complex requirements of garages and dealerships like the OPCF 4 does.