(888) 900 0205Garage Keeper Insurance
Garage Keeper Coverage is a type of insurance is typically designed for businesses that provide services involving customer vehicles, like auto repair shops, parking garages, or towing companies. This coverage protects against damages to customer vehicles while they are in the care, custody, or control of the business, such as during repairs, storage, or parking.
Popular Businesses With Garage Keeper Cvg
What's Covered Under Garage Keeper Insurance
Garage Keeper Coverage ensures you're protected against a range of risks that can affect customer vehicles while in your possession:
- Fire Damage: If a fire breaks out in your shop and damages customer vehicles.
- Theft: Coverage for vehicles that are stolen while being stored on your property.
- Vandalism: If a customer’s car is damaged by vandals.
- Weather Events: Protection against damage from storms, hail, or other extreme weather conditions. (only true if the policy is written on a Direct Primary basis)
- Collision While in Your Control: If one of your employees accidentally damages a customer’s car during service, coverage applies. (if the policy specifically includes the Collision coverage)
Coverage can be written on different forms (legal liability, direct primary, or excess). Standard garagekeepers legal liability pays when your business is legally responsible for the damage. Direct primary and excess options can extend protection even when you’re not at fault or when other insurance applies.
What's Not Covered Under Garage Keeper Insurance
While Garage Keeper Coverage is comprehensive, it doesn’t cover everything. Here are some key exclusions:
- Faulty Workmanship: If the damage is due to poor repairs or incorrect installations, generally not covered under a standard garagekeepers policy. (This coverage may fall under professional liability insurance)
- Property Inside the Vehicle: Personal belongings inside the customer’s car, like electronics or other items, are usually excluded unless you add specific coverage or an endorsement.
- Wear and Tear: Normal wear and tear on vehicles during storage or service isn’t covered.
- Intentional Damage: Deliberate damage caused by employees or others acting on behalf of the business.
Exact exclusions can vary by icarrier. Always review your specific policy language or speak with a licensed agent to confirm what is and isn’t covered.
Who Needs Garage Keeper Coverage
If your business involves handling, repairing, parking, or towing customer vehicles, you’ll want this coverage. Common businesses that need Garage Keeper Coverage include:
- Auto Glass Shops
- Auto Repair Shops
- Body Shops
- Tow Truck Companies
- Valet Services
- Auto Dealerships
- Detail Shops
- Parking Garages and Lots
- Aviation Mechanics (typically need specialized hangarkeepers liability and aviation insurance rather than standard auto garagekeepers coverage)
If you regularly take responsibility for someone else’s car, Garage Keeper Coverage is a must-have part of your insurance package.
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