Protect Every Vehicle in Your Care
Why Garage Keepers Insurance Matters.
Every day, auto dealers and service shops take custody of customer vehicles. Whether they’re on your lot, in your service bay, or parked overnight, you can be held financially responsible for damage—even if it wasn’t your fault.
Garage Keepers Insurance is designed to protect your business from costly claims involving customer vehicles while they’re in your care, custody, or control.
Without the right coverage, a single incident could mean:
Paying out of pocket for repairs or total loss
Lawsuits from customers
Damage to your reputation
Cash flow disruptions that hurt your operations
What Is Garage Keepers Insurance?
What Is Garage Keepers Insurance?
Garage Keepers Insurance provides coverage for customer-owned vehicles that are:
Parked on your lot
Being serviced or repaired
Stored overnight
Moved by your employees
Coverage typically applies to losses caused by:
Collision or accidental damage
Fire or explosion
Theft or vandalism
Severe weather events
Important: General Liability or Garage Liability policies alone do not cover customer vehicle damage.
Who Needs Garage Keepers Coverage?
Garage Keepers Insurance is essential for:
Auto dealerships (new & used)
Auto repair shops
Service centers
Body shops
Tire and brake shops
Detailers
Towing and storage facilities
If customer vehicles are ever on your premises or under your control, this coverage is not optional—it’s critical.
Real-World Risk: Why Dealers & Shops Get Hit with Claims
Even careful businesses face risks like:
A technician accidentally backing into a customer vehicle
A hailstorm damaging cars on the lot
A vehicle stolen after hours
A fire spreading through the service bay
In these moments, customers expect you to make it right.
Garage Keepers Insurance ensures you can.
Key Benefits of Garage Keepers Insurance
✔ Protects customer vehicles under your care
✔ Helps cover repair or replacement costs
✔ Reduces out-of-pocket losses
✔ Builds customer trust and credibility
✔ Keeps your business compliant with contracts and lenders
Don’t Assume You’re Covered
Many auto businesses believe they’re protected—until a claim is denied.
Garage Liability ≠ Garage Keepers Coverage
If you’re unsure what your current policy includes, a quick review can prevent a costly surprise later
Coverage Options Tailored to Your Business
Garage Keepers Insurance can be customized based on:
Number of vehicles on-site
Type of operations
Lot size and security measures
Value of customer vehicles
Whether you operate a single service bay or a high-volume dealership, the right policy scales with your business.
Get the right Garage Keepers Insurance coverage designed for auto dealers and service shops.
