Garage Keepers Liability Insurance
When customers leave vehicles in your care, protecting them protects your business. Garage Keepers Insurance is designed to help cover damage or loss to cars left for service, storage, or parking – helping protect you from costly claims. Whether you own a garage, dealership, or auto repair shop, this coverage helps keep your business moving forward with confidence.
What is Garage Keepers Insurance?
When a customer’s vehicle is harmed while in your care, Garage Keepers Insurance helps protect you. It can help provide coverage for certain losses to eligible customers’ vehicles left in your care for services such as repair, storage, or parking.
If coverage is written on a “Direct Primary” basis, your policy may respond first to a covered loss, instead of waiting for the customer to file a claim through their own insurance.
Who Needs Garage Keepers Insurance?
Garage Keepers Insurance is designed for businesses such as:
Auto Repair Shops
Body Shops and
Collision Centers
Auto Dealerships
Coverage Options
When you run an auto repair or service business, your customers count on you to take good care of their vehicles. Garage Keepers Liability Insurance helps protect you if a customer’s vehicle is damaged while it is on your property or under your control.
- Garage Liability up to $1 million
Think of this as your business’s safety net. It provides coverage for financial claims that might arise from day-to-day operations—if a mechanic accidentally hits someone while test driving a customer’s car or if a customer slips and falls in your waiting area, for example. Extended features include vital protections like Truth in Lending, Title Errors & Omissions, and Federal Odometer coverage. Please note, this does not cover damage to the car while your mechanic is working on it. - Driver Other Car Coverage
Protects employees or owners of a repair shop or auto dealership when they drive vehicles that don’t belong to the business, such as personal cars or rental vehicles. It helps cover them if they cause an accident while using these types of automobiles for business purposes. - Incidental Coverage
Designed for tow trucks, roll backs, and trailers, this coverage gives you peace of mind in the event of improper hooking or securing, or for operator error - Hired & Non-Owned Liability
Many businesses use vehicles not owned by the company. Hired and non-owned auto coverage is a type of commercial auto insurance that protects your business when you or employees use rented, leased, borrowed, or personal vehicles for work.- Hired coverage applies to vehicles your business rents, leases, or borrows.
- Non-owned auto coverage extends liability protection when employees use their own cars for business purposes.
- This coverage is only available if you have insured a business auto with us.
Garage Keepers vs Garage Liability Insurance
Garage Keepers vs Garage Liability Insurance
Garage Liability Insurance helps protect your business if someone is injured or their property is damaged during day-to-day operations (e.g. a customer slips in your waiting room). Garage Keepers Insurance is different; it helps cover damage to or theft of a customer’s vehicle while it is in your care, custody or control—such as if a fire damages one of the vehicles in your shop.
Other Commercial Insurance Products from Haulers
Business Auto
Don’t let an accident stall your progress. Haulers provide robust coverage specifically designed to keep auto dealers, garages, and artisan contractors in motion, ensuring that the unexpected doesn’t take your business off course.
Auto Dealers
Your inventory is the heartbeat of your business. Safeguard your dealership and your bottom line from unforeseen risks with coverage built to protect your vehicles and your professional reputation.
General Liability
In a litigious world, consider this your professional safety net. We help you navigate the costs of lawsuits involving injury, property damage, or advertising claims, acting as a guardrail so one mistake doesn’t derail your future.
Property
Your workspace is your second home. Whether you own the building or the gear inside, Haulers offers comprehensive protection to ensure your physical assets are as resilient as your work ethic.
Garage Keepers Covers Their Car. What Covers Yours?
Garage Keepers Covers Their Car. What Covers Yours?
Garage Keepers Insurance helps protect your customers’ vehicles while they are in your care for service, repair, or storage. Auto Dealers Insurance, often called Dealers Open Lot Coverage, helps protect the vehicles your dealership owns and offers for sale.
Why Choose Haulers for Garage Keepers Insurance?
Repair shop owners choose Haulers for Garage Keepers Insurance because of our long-standing focus on Commercial Auto Coverage, strong service culture, and support from independent agents who can help tailor coverage to your operation. Backed by decades of experience, Haulers offers dependable protection for businesses that care for their customers’ vehicles every day.
Ready to Protect the Vehicles in Your Care?
Ready to Protect the Vehicles in Your Care?
If you’re ready to choose Haulers for your Garage Keepers Coverage, contact an independent agent who can help you explore options and request a quote.
Garage Keepers Insurance FAQs
What is the difference between Garage Keepers and Garage Liability Insurance?
Garage Liability Insurance helps protect you if someone is injured at your business or their property is damaged because of your everyday operations, like a customer slipping in your shop or having an accident during a test drive. Garage Keepers Insurance is a little different. It helps protect a customer’s vehicle if it is damaged or stolen while in your care, custody, or control.
Is Garage Keepers Insurance required by law?
No, Garage Keepers Insurance is not required by state or federal law. But if your business takes care of customers’ vehicles, it is still important. If a customer’s car is damaged while it is in your care, custody or control, your business could be financially responsible, and standard liability coverage typically will not apply.
Do I need Garage Keepers Insurance if I already have General Liability?
Yes. General Liability usually does not cover property that is in your care, custody, or control, so if a customer’s vehicle is stolen, vandalized, or damaged while it is at your shop, general liability typically will not cover the loss.
How do I get a Garage Keepers Insurance quote through Haulers?
To get a quote, contact a Haulers agent near you.