Garagekeepers Insurance built for you
Protect your building inventory, and cover your clients' vehicles that are in your care, custody, or control (CCC)
- Our policies include “Faulty work” performed. Most policies will exclude the work you or your employees do that is done incorrectly, costing you thousands in a denied claim. Never again with us!
- Direct Primary coverage. While most policies include the wording “legal liability,” our policies include direct primary, which is broader, more inclusive coverage.
- We provide real coverage through Superior Insurance markets that want to protect you, not collect your premium and deny your claims.
- Mobile repair and mechanic coverage is accepted. Even if you don’t have a shop, Garagekeepers and garage liability can protect you from many perils.
What is Garage Keepers Insurance?
Garage Keepers Liability Insurance safeguards client vehicles during service or repair (cars, trucks, suv's, motorcycles, etc). Known as 'storage location insurance' in some states like Virginia and Texas, this specialty policy covers perils such as fire, theft, vandalism, and collision.
Do I need Garage Keepers Insurance?
If your business regularly takes custody of a customer’s vehicle, we highly suggest covering your company with a Garage Keepers Insurance Policy.
- Body shops
- Car dealerships
- Car detailers
- Auto electronics installers
- Interior auto detailers
- Oil change centers
- Parking garages
- Auto repair shops
- Tow truck companies
- Windshield and window installers
What Does Garage Keepers Insurance Cover?
While specific coverage options may vary depending on your provider and chosen plan, garage keepers’ insurance typically includes:
Legal Liability:
This covers damage to customer vehicles caused by your employees' negligence or errors, such as a mechanic accidentally scratching a car during repairs.
Direct Primary/Excess:
This protects against theft, vandalism, fire, and other unforeseen events, regardless of fault. Direct primary coverage pays for damages directly, while direct excess only kicks in after exceeding your chosen deductible or liability limit.
Towing and Storage:
Covers costs associated with towing and storing damaged vehicles.
Loss of Use:
Reimburses customers for alternative transportation costs while their vehicle is being repaired.
We're the Garagekeepers Insurance Pros!
Imagine a customer leaves their prized car at your garage for repairs, only to find it damaged or stolen the next day. Without proper insurance, you could face a costly lawsuit and a damaged reputation. This is where garage keepers’ insurance comes in, offering valuable protection for both your business and your customers' vehicles.
Garage keepers’ insurance is a valuable investment for any business that stores or repairs customer vehicles. By protecting yourself and your customers, you ensure a smooth operation and build trust, ultimately contributing to the success and longevity of your business.
Here's What You Can Expect
- Your clients vehicles are covered, and so is your shop
- Enhance customer satisfaction
- Protect your business
- Attract and retain customers
- Improve Business Reputation: Demonstrate professionalism and responsibility by having proper insurance in place
- Compliance: Some states require garage keepers’ insurance, while others strongly recommend it
