Garage Keepers Liability Insurance

Garagekeepers coverage protects a business that takes customers' vehicles into its care, custody, and control — auto repair shops, body and collision shops, lube-and-oil and tire businesses, detailers, and service departments. If a customer's car is damaged by fire, theft, vandalism, or a mishap while it is on the premises, garagekeepers is the coverage that responds.

We quote garagekeepers on legal-liability, direct-primary, and direct-excess forms, and pair it with garage liability (the premises and operations exposure) so the shop is covered both for the work it performs and for the vehicles it holds. Dealers' open-lot coverage is available for auto dealers that store inventory outdoors.

Send us the operation type, the maximum value of customers' vehicles on-site at any one time, the building and equipment, and the loss history. We write these classes for hundreds of automotive businesses and most come back with a same-day indication.

Round out the account with commercial property, business auto for the shop's own and service vehicles, workers' compensation, and an umbrella where eligible.

** Terms used here are a summary only. Always refer to the policy form for actual terms, conditions, and exclusions.