Garage Keepers Insurance-Safeguard Every Vehicle in Your Care
Essential Coverage for Auto Shops, Body Shops, & Dealerships
Garage Keepers Insurance protects your customers' vehicles while they're in your care-whether in for repairs, detailing, storage, or service. If a client's car is damaged, stolen, or destroyed by fire while at your shop, this policy pays for repairs or replacement. Without it, you could face paying out-of-pocket for thousands-or even hundreds of thousands-of dollars in losses.
What's the Difference?
Both are needed for complete protection-garage keepers is the missing piece that standard liability doesn't cover.
Garage Liability
Covers injuries or property damage you cause in the course of running your business (like slips and falls, or test drives gone wrong).
Garage Keepers
Covers physical damage to customer vehicles you're working on or storing.
Direct Primary vs. Legal Liability
Choose the level of protection that fits your business:
Legal Liability Form:
Pays if you're legally liable (e.g., a mechanic's mistake causes damage).
Direct Primary Form:
Pays for damage regardless of fault-even for hail, theft, vandalism, or fire-so you can take care of your customers fast.
Examples Garage Keepers Would Cover
A technician accidentally damages a car in the shop
Customer vehicles are vandalized or stolen overnight
Fire breaks out, damaging multiple cars inside
Severe weather (hail, wind, flooding) damages vehicles under your care
(Example: A single shop fire recently caused $300,000+ in customer car damage-garage keepers insurance handled the claims, protecting both the business and its clients.)
Professionalism, Peace of Mind, and Customer Trust
Clients trust you with some of their most valuable property. Garage keepers insurance shows you take that responsibility seriously. Many commercial fleet clients, dealers, and discerning customers require proof before leaving vehicles. The right coverage means you can say, "We've got you covered," and mean it.
Garage Keepers Insurance Questions-Answered
What is garage keepers legal liability?
Insurance that pays for damage to customer cars if your business is found negligent.
Does my shop need both garage liability and garage keepers?
Yes-for full protection of your business and customers' vehicles.
Does it cover theft or fire?
Yes-especially under the direct primary form. Ask us for details.
How much does it cost?
Premiums are a fraction of your potential exposure and can often be bundled with your business policy.
Do all repair shops need it?
If you ever take custody of a customer's vehicle, yes-you need this coverage.
Ready to Protect Every Vehicle in Your Care?
Don't let one mishap wreck your shop's finances or reputation. Get a fast, affordable quote on garage keepers insurance-so every client's car (and your business) is protected from life's surprises.