888-900-0205Garage Keeper Insurance
Garage Keeper Coverage is a type of insurance typically included in a garage liability policy. It's 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.
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.
- Collision While in Your Control: If one of your employees accidentally damages a customer’s car during service, coverage 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, this wouldn’t be covered.
- Property Inside the Vehicle: Personal belongings inside the customer’s car, like electronics or other items, aren’t typically included in the coverage.
- 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.
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
If you regularly take responsibility for someone else’s car, Garage Keeper Coverage is a must-have part of your insurance package.