What Does Garage Keepers Coverage Cover

Garage liability insurance is a policy that covers bodily injury or property damage caused by an incident out of garage operations.

What does garage keepers coverage cover.

Garagekeepers liability insurance covers sums you must legally pay as damages for loss to a customer s auto or its equipment left in your care while you are attending servicing repairing parking or storing it in your garage operations. Generally the coverage is ideal for businesses that handle cars and trucks in some form but are not auto dealers. A basic garage liability insurance policy is designed to cover bodily injury or property damage caused by an accident during garage business operations. It protects a customer s vehicle when you are keeping it at a covered location for parking or storing or to perform service.

The policy refers to the ownership maintenance or use of locations for garage business operations. Garage keeper s coverage is mainly applicable to service stations car dealerships repair shops and tow truck drivers. Garagekeepers coverage is an optional line offering protection to the garage business for loss to a customer s auto left in the insured s care custody or control. The difference between garagekeepers and garage liability insurance.

This can include damage during road test drives and. What is garage keepers coverage. Garagekeepers coverage filling in the gaps mentioned above garagekeepers offers coverage directly to the vehicle left in the business care no matter if that car is simply being parked or being left with your business for repairs. Garage keepers insurance is a separate policy that covers the property damage to a client s car while it is in the care of the policyholder.

The risks that may arise in an auto shop include customer injuries faulty products manufactured at the shop and property damage of a vehicle while in the custody of the shop. It s a form of bailee liability whose purpose is to protect your client s car van truck or motorcycle while you have it in your garage for parking storing or performing a service. This kind of coverage also includes the ownership and use of the autos as well as maintenance. Garagekeepers coverage coverage provided under a garage policy for auto and trailer dealers particularly those dealers that maintain a service department or body shop for liability exposures with respect to damage to a customer s auto or auto equipment that has been left in the dealer s care for service or repair for example.

Simply put garage keepers insurance or garagekeepers legal liability coverage is available for businesses that have service repair stations body shops or towing services. Garage liability coverage is typically purchased by automobile dealerships and repair shops among other businesses.