Customer vehicles in your care are excluded by the policy you already have.
Garagekeepers covers customers’ vehicles while they are in your care. Every repair shop, dealership and valet has that risk, and general liability excludes it.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What garagekeepers businesses actually need.
Comprehensive and collision
Damage to a customer’s vehicle on your premises or while being moved.
Without it — A car damaged on your lot is paid from your own money, and the customer expects it that day.
Fire and theft
Vehicles lost to fire or stolen from your premises.
Without it — A single overnight fire can involve a dozen cars you do not own.
Legal liability or direct primary
Whether cover applies only when you are at fault, or regardless.
Without it — On a legal liability form, a theft with no negligence on your part may not respond at all.
Where garagekeepers shows up.
- Auto Services
A customer vehicle damaged, stolen or burned while in your shop is your bill, and general liability specifically excludes it.
- Tow Truck & Recovery
Vehicles sitting on your lot are property in your care, and general liability excludes damage to them outright.
- Taxi & Rideshare Fleets
Vehicles parked on your lot between shifts are property in your care.
- Mobile Mechanics & Heavy Truck Repair
The customer’s vehicle is in your care the moment you start work on it, wherever that is, and general liability excludes damage to property in your care outright.
What garagekeepers operators ask us.
What is the difference between legal liability and direct primary?
Legal liability pays only when the damage was your fault. Direct primary pays regardless, which is what most customers assume they are getting and what most disputes turn on. Direct primary costs more and is usually worth it, because arguing about fault with a customer whose car burned in your shop is not a business you want to be in.