Garage Keepers Insurance for Your Business
When you take possession of a customer's vehicle—whether for repair, service, storage, or sale—you assume liability for what happens to it. Garage keepers insurance covers damage, theft, and legal disputes that arise while the vehicle is under your care.
- Coverage for customer vehicles in your possession, separate from your own fleet
- Protection against liability claims when customer vehicles are damaged or lost
- Multi-carrier quotes designed for auto repair shops, dealerships, and service operators
Garage keepers insurance exists for one reason: the moment a customer's vehicle enters your property or possession, you become legally responsible for what happens to it. Whether you're an auto repair facility holding a customer's car for service, a dealership storing trade-in vehicles on your lot, a valet service, a car wash, or any business that regularly takes possession of customer vehicles, that responsibility creates exposure that standard general liability policies don't cover. A customer brings in a 2020 sedan for an oil change, and you accidentally damage the bumper during work; you're on the hook. A high-end vehicle sits on your dealership lot overnight and is stolen; your customer expects you to cover it. A valet parks a car and a hailstorm damages the roof while it's in your care; the owner looks to you for compensation. Garage keepers insurance is specifically designed to respond to exactly these scenarios—damage to or loss of vehicles entrusted to your business.
Garage keepers liability is distinct from general liability insurance, which covers bodily injury or property damage claims on your premises but typically excludes vehicles in your care, custody, or control. It's also distinct from commercial auto insurance, which covers your own business vehicles and fleet. Garage keepers coverage focuses exclusively on customer vehicles—the ones you don't own—and is priced and underwritten with that specific exposure in mind. Some shops assume their general liability policy covers damage to customer vehicles or that their commercial auto policy extends to vehicles they're servicing; both assumptions are dangerous. Reading your current policies and understanding exactly what they exclude is a critical first step to knowing whether you have a coverage gap.
The legal and financial exposure from damaged, stolen, or lost customer vehicles can be substantial. A customer brings you a luxury vehicle worth $75,000 for service, and a fire damages it while it's in your shop; without garage keepers coverage, you're personally liable for that loss. A tenant customer wants you to store their vehicle while they relocate, and it's stolen from your lot; they pursue a claim against you. A customer disputes whether damage to their vehicle occurred before or after it came into your care, triggering a lawsuit over who pays for repairs. These scenarios aren't edge cases—they happen regularly in businesses that take possession of customer vehicles, and they're exactly why garage keepers insurance exists. Covered By Us works with multi-carrier shops to build coverage that addresses your specific type of customer vehicle exposure, whether you're running a high-volume repair facility, a luxury dealership, a valet operation, or something in between.
Understanding what you're responsible for, what insurance covers it, and what costs you should expect makes a real difference in how you price your services and protect your business. We'll walk through what garage keepers insurance actually covers, which businesses need it most, how to get it, what factors affect the cost, and common questions we hear. Whether you've never shopped this coverage or you're overdue for a renewal, this guide will help you make an informed decision about protecting yourself and your customers.
Who Needs Garage Keepers Insurance
Garage keepers insurance is essential for any business that regularly takes possession of customer vehicles. Here are the primary business types for whom this coverage is critical:
Auto Repair Shops & Mechanics
General repair shops, specialized shops (transmission, collision, electrical), and independent mechanics all take customer vehicles into their possession for service. Collision damage during repair, accidental loss, or theft while parked overnight creates liability that your general liability policy likely excludes. Repair shops typically carry higher coverage limits because they handle vehicles daily and the potential for both accidental damage and customer disputes is constant.
Valet and Parking Services
Valet companies and parking lot operators assume custody of vehicles—sometimes dozens per shift—and face exposure to damage, theft, and disputes over pre-existing damage versus damage that occurred while in the valet's care. A valet parks a car in a lot where it's damaged by another vehicle, or a high-end car is stolen from secure parking; liability exposure is immediate and often high-value. Multi-location valet operations often carry substantial limits given the volume of vehicles handled.
Car Wash Businesses
Car wash facilities take customer vehicles through automated or hand-wash processes where damage can occur—scratches from equipment, water damage, or loss if a vehicle is stolen from the lot. Most car washes experience occasional damage claims, and this coverage is a standard cost of operation. Busy locations handling hundreds of vehicles per week typically carry higher limits than smaller facilities.
Auto Dealerships
Dealerships holding customer trade-in vehicles, pre-owned inventory, and vehicles on service and reconditioning lots all have customer vehicles in their possession. Theft from dealer lots, damage during transport or lot storage, and disputes over pre-existing damage all create exposure. Luxury or specialty dealerships often carry higher limits given the value of vehicles held. Some manufacturer or franchise agreements require garage keepers coverage as a condition of holding trade-ins.
Rental Car and Vehicle-Sharing Businesses
Short-term rental companies and vehicle-sharing platforms take possession of customer vehicles between rentals and during maintenance. Coverage for theft, damage, or loss while vehicles are stored or undergoing service creates a specific exposure. Some rental businesses self-insure portions of this risk but still carry excess garage keepers liability for catastrophic losses.
Vehicle Transportation & Storage Facilities
Businesses that transport, store, or temporarily hold customer vehicles—automotive storage facilities, vehicle transport companies, or businesses providing temporary vehicle storage during customer relocation or renovations—all need this coverage. A vehicle is stolen from storage, or damaged while parked overnight; coverage responds. Long-term storage facilities sometimes bundle this with property coverage for the facility itself.
What Garage Keepers Insurance Covers
Legal Liability for Damage to Customer Vehicles
This is the core coverage: if you're found legally liable for damage to a customer's vehicle while it's in your care, custody, or control, this pays for the cost of repair or replacement (up to your coverage limit). Accidental damage during a repair process, damage while the vehicle is parked on your property, or damage during transport all fall under this coverage. The key is legal liability—you have to be found responsible for the damage, not just have the customer claim you did it.
Comprehensive and Collision Coverage for Customer Vehicles
Some garage keepers policies include comprehensive and collision coverage for customer vehicles on your property, similar to physical damage coverage for your own fleet. This means theft, vandalism, hail, falling objects, or collision damage to a customer vehicle is covered regardless of fault. Not all garage keepers policies include this; some require you to add it, and it's often the highest-cost component of the coverage. This is critical for businesses storing vehicles overnight or for extended periods.
Direct Primary vs. Excess Coverage Options
Garage keepers coverage can be written as primary (your coverage pays first, before the customer's own insurance) or excess (your coverage pays only after the customer's insurance is exhausted). Direct primary coverage is more expensive but is what customers expect and what many businesses prefer because it avoids disputes over who pays. Excess coverage is cheaper but creates complexity—if the customer's insurance denies a claim or has a coverage gap, your excess policy may not cover it. Choosing between these structures affects both your cost and your real protection.
Coverage for Vehicles in Your Parking Lot
Customer vehicles parked on your lot, in your garage, or under your canopy are covered for losses that occur while they're in your possession. This includes damage from weather, theft from the lot, or damage caused by other vehicles. The key is 'in your possession'—once a customer picks up their vehicle, coverage typically ends. Understanding where your coverage begins and ends geographically is important, especially for businesses with multiple facilities or those that transport vehicles between locations.
Coverage for Vehicles in Transit
If your business transports customer vehicles—a delivery service moving a car to a customer's home, a repair shop delivering a finished vehicle to a customer, a dealership delivering a trade-in to an auction—coverage while in transit is essential. This protects against accidents, theft, or damage that occurs while the vehicle is being transported on behalf of your business. Not all garage keepers policies automatically include transit coverage; some require a separate endorsement or have mileage or distance limitations.
Medical Payments and Legal Defense Costs
If someone is injured in or around a customer vehicle while it's in your care—a customer is hurt when a lifted vehicle slips off a jack, or an employee is injured by a vehicle you're working on—medical payments coverage reimburses medical expenses regardless of fault. The coverage also typically includes your legal defense costs if you're sued, even if the claim is ultimately found to be without merit. This protects you from the legal cost of defending yourself in disputes over customer vehicle incidents.
Coverage for Pre-Existing Damage Disputes
One of the most common sources of claims under garage keepers policies is disputes over whether damage to a customer vehicle existed before it came into your care or occurred while you had possession of it. This coverage helps resolve those disputes by providing funds to document or defend your position. Some policies include appraisal rights, allowing an independent appraiser to assess whether damage was pre-existing or new, and coverage typically pays for that appraisal.
Coverage for Customer Property Left Inside Vehicles
Personal property left inside customer vehicles while they're in your possession—GPS devices, phone chargers, sunglasses, tools left in the car by the customer—may be covered for theft or damage. This is sometimes a limited coverage or requires a separate endorsement, but it's important because customers often assume you're responsible for belongings left in their vehicle during service. Coverage limits for property inside vehicles are often lower than limits for vehicle damage itself.
Theft Coverage for Vehicles Under Your Care
If a customer vehicle is stolen while it's in your possession—from your lot, your garage, or while in transit for your business—theft coverage typically responds. Theft is one of the more common garage keepers claims, particularly for businesses that store vehicles overnight or hold trade-ins on a dealership lot. Newer vehicles with key fobs or digital access systems can reduce theft risk, but older vehicles or situations where keys are left with staff create exposure that this coverage protects against.
Coverage for Damage Caused by Your Employees
If an employee causes damage to a customer vehicle—a mechanic accidentally punctures the fuel tank during repair, a valet causes a collision while parking a car, a lot attendant damages a vehicle while moving it—this coverage protects you from liability for the employee's negligence. Your general liability policy may have employee-negligence exclusions; garage keepers coverage is specifically designed to protect you when your team causes damage to vehicles in your care.
How to Get Garage Keepers Insurance Coverage
Securing the right garage keepers coverage involves understanding your specific business model, the vehicles you typically handle, and your actual liability exposure. Here's how the process typically unfolds:
Document Your Business Model and Customer Vehicle Exposure
Start by clearly defining how your business operates: Do you repair vehicles in-house, or do you store them? How many vehicles do you have in your possession at any given time? What's the typical value range of customer vehicles you handle? Do you transport vehicles between locations, or do customers pick them up? How many vehicles pass through your care annually? Are you holding vehicles overnight, or are most picked up same-day? This information directly affects the coverage you need and the premium you'll pay. A high-volume shop handling dozens of vehicles daily faces different exposure than a specialty repair shop handling luxury vehicles occasionally.
Review Your Current Policies for Gaps
Pull your current general liability and commercial auto policies and read the definitions of what's covered. Look specifically for exclusions related to 'vehicles in your care, custody, or control.' Most general liability policies explicitly exclude this. Your commercial auto policy covers your own fleet, not customer vehicles. This gap is exactly where garage keepers insurance fits. Understanding what your existing policies exclude helps you see why garage keepers coverage is separate and necessary. Bring these policy documents to your conversation with your agent.
Meet with an Agent Who Understands Garage Keepers Exposure
Work with an independent agent experienced in garage keepers insurance specifically—not just someone who handles general business policies. The agent will ask detailed questions about your operations: What percentage of your revenue comes from repair work versus storage? What types of vehicles do you typically handle? Do you do paint work, which creates higher risk? Do you transport vehicles? Have you had prior claims? The answers to these questions shape the coverage you need and the premium you'll be quoted. A good agent asks probing questions; a mediocre one just runs a quote based on business type alone.
Decide Between Primary and Excess Coverage Options
Your agent will explain primary versus excess coverage. Primary coverage pays first; excess coverage pays only after the customer's insurance is exhausted. Primary is more expensive but cleaner—you're on the hook for customer vehicle damage, and your insurance responds without the customer's insurance being involved. Excess is cheaper but creates complexity and potential gaps. Most repair shops and dealerships prefer primary coverage because it's simpler and because customers expect the business holding their vehicle to be responsible. Discuss this tradeoff with your agent to understand your options and costs.
Set Your Coverage Limits and Add Endorsements
With your agent's guidance, you'll choose your per-vehicle coverage limit (often $25,000 to $100,000 depending on vehicle values you typically handle), your per-occurrence limit (the total amount paid across all vehicles in a single event), and any additional endorsements. Common endorsements include comprehensive and collision coverage (for theft, vandalism, weather damage), transit coverage (if you transport vehicles), and appraisal provisions (for pre-existing damage disputes). Your coverage limits should account for the average value of vehicles in your possession; if you handle luxury vehicles, higher limits make sense.
Obtain Quotes from Multiple Carriers and Compare
An independent agent shops multiple insurance carriers and brings you quotes from at least two to three insurers offering garage keepers coverage. You'll see differences in premium, coverage structure, and endorsement costs. Some carriers are more competitive for high-volume repair shops; others specialize in dealership or valet coverage. The agent explains the differences and helps you choose the coverage that balances cost and protection. Shopping this coverage is essential—premiums can vary significantly between carriers for similar coverage.
Complete Your Application and Underwriting
Once you've selected a carrier and coverage level, you'll complete a detailed application. The insurer will ask about your business operations, loss history, safety measures (alarm systems for lots, security cameras), employee training, and specific details about the vehicles you handle. Underwriting typically takes 5-10 business days. Being thorough and honest in your application is critical; misrepresentations can lead to coverage denials later. If the carrier asks questions, answer them fully with your agent's help.
Receive Your Policy, Review It, and Activate Coverage
Once approved, you'll receive your policy documents. Take time to read the coverage sections, exclusions, and limits. Confirm that the coverage you discussed with your agent actually appears in the policy. Understand your deductible and what triggers the coverage—is it on a per-vehicle basis, per-occurrence, or annual aggregate? Once you pay your premium, your coverage becomes effective. Mark your renewal date on your calendar and plan to review your coverage annually, especially if your business model changes or vehicle values increase.
Common Coverage Gaps & Risks for Garage Keepers
Taking possession of customer vehicles creates specific exposures that standard business policies don't address. Understanding these risks helps you close coverage gaps before they become claims.
Damage to a Customer Vehicle During Service or Repair
Accidental damage during the repair process—a drill bit slips and punctures a panel, a technician backs a vehicle into the door frame, a lifted vehicle slips off the jack—is one of the most common garage keepers exposures. Without this coverage, you pay for the repair out of pocket or face a customer dispute over who pays. Even minor incidents (a scratch that costs $500 to repair) add up across hundreds of vehicles serviced annually.
Theft of Customer Vehicles from Your Premises
Vehicles parked on your lot, in your garage, or in a secure lot are stolen—a common risk for dealerships, repair shops, and valet services. A high-end vehicle disappears overnight, and the customer expects you to cover it. Without garage keepers coverage that includes theft, you're personally liable for the full replacement value, which can be $30,000 or more. Some locations also face organized theft rings targeting specific lot types, making this a recurring risk.
Pre-Existing Damage vs. Damage Caused While in Your Care
A customer brings in a vehicle for repair, and after you finish, they claim new damage exists that wasn't there before. You claim the damage was pre-existing. These disputes are extremely common and can escalate into lawsuits, particularly if the customer's own insurance won't cover it and they hold you responsible. Without coverage that includes appraisal and dispute-resolution provisions, you could end up paying for repairs you didn't cause.
Coverage Gaps Between Garage Keepers and General Liability Policies
Many business owners assume their general liability policy covers customer vehicles in their care—it typically doesn't. General liability explicitly excludes 'vehicles in your care, custody, or control,' creating a direct gap between what you think you have and what you actually have. This misconception has left hundreds of repair shops and service businesses uninsured for their primary exposure.
Damage from Weather Events While Vehicles Are Stored Overnight
A hailstorm damages customer vehicles parked in your lot overnight; a tree falls on vehicles in your yard during a storm; water damage occurs inside a vehicle stored in your facility. These weather-related losses happen regularly, particularly in spring and fall. Coverage for weather damage to customer vehicles is critical if your business stores vehicles for any length of time, and this is an area where policies vary significantly—some cover it; others don't.
Liability When Transporting Customer Vehicles
Your business transports a customer vehicle to a satellite location, to a customer's home, or to an auction, and the vehicle is damaged in an accident or stolen during transport. Your commercial auto policy covers your own vehicles; garage keepers coverage extends to customer vehicles. But you need to verify that your garage keepers policy explicitly covers transit—some policies limit coverage to vehicles on your premises only and exclude transit exposure.
Legal Disputes Over Repair Quality and Customer Damage Claims
A customer claims you damaged their vehicle during service and sues you for repair costs or diminished value. These disputes often hinge on whether the damage was caused by your work or was pre-existing. Legal defense costs, expert appraisals, and settlement negotiation all cost money, and having a policy that covers legal defense costs and includes appraisal provisions protects you from bearing those costs yourself.
Insufficient Coverage Limits Relative to Vehicle Values
You carry a $50,000 per-vehicle garage keepers limit, but a customer brings in a $100,000 luxury vehicle for service. If you damage it, your coverage only pays $50,000, and you're personally liable for the rest. As the values of vehicles customers entrust to you increase—whether luxury vehicles at your dealership or high-end cars at a specialty repair shop—your coverage limits need to keep pace. Underinsured limits create a false sense of security.
California Requirements and Garage Keepers Insurance
California doesn't have a specific statute requiring garage keepers insurance for repair shops, dealerships, or service businesses. There is no state law that says 'if you repair vehicles, you must carry garage keepers liability coverage.' However, California's legal framework around liability and negligence, combined with industry practice and customer expectations, makes this coverage essential in practice even if not legally mandated.
Many California dealerships and franchises are required to carry garage keepers insurance as a condition of their franchise agreement or as a requirement for holding customer trade-in vehicles. If you're a dealership operating under a manufacturer's franchise, your franchise agreement likely specifies minimum garage keepers coverage as a condition of your dealership rights. Similarly, if you hold customer vehicles as collateral or participate in any formalized program involving customer vehicle possession, you may have contractual obligations to carry this coverage. Review your franchise agreement, customer agreements, or any contracts where you take possession of customer vehicles to see if garage keepers coverage is required.
California's robust premises liability and negligence law means customers can pursue claims against you if you damage or lose their vehicles while they're in your possession, and California courts have consistently held businesses responsible for vehicles they hold. This creates real exposure even without a statutory mandate. Additionally, California's requirement that you respond to discovery in litigation means defending yourself against customer claims—even frivolous ones—costs money. Garage keepers insurance covers those defense costs and the settlements or judgments that result, protecting you from having to pay entirely out of pocket.
No Statewide Mandate, But Contractual Requirements Common
California does not mandate garage keepers insurance by statute, but if you operate a franchised dealership, hold customer vehicles under a formal agreement, or have customer vehicles as collateral, your contract likely requires minimum garage keepers coverage. Check your franchise agreement, customer agreements, and any formal vehicle-holding arrangements to confirm whether coverage is contractually required.
Liability Exposure Under California Negligence Law
California recognizes strict liability in some contexts and negligence liability in others. If you damage a customer's vehicle through negligence—failing to exercise reasonable care—California law permits the customer to sue you for their losses. Garage keepers insurance protects you from those lawsuits and the damages that might result. California courts have consistently held that businesses taking possession of customer property are liable for reasonable care; this is a foundational principle of California law.
Insurance Availability and Carrier Requirements
California's insurance market has tightened in recent years, and some carriers have reduced their appetite for garage keepers coverage or exited certain classes of business. The California FAIR Plan doesn't cover garage keepers liability, so availability is limited to private carriers only. When shopping garage keepers coverage, you may find fewer carrier options than you expected, and you may face higher premiums or stricter underwriting in high-risk locations. Working with an independent agent who has established carrier relationships is essential to securing coverage in California's tightened market.
Integration with California's Auto Insurance Framework
California's auto insurance rules around uninsured and underinsured motorist coverage, and the state's unique rules around hired and non-owned vehicle coverage, can create complexity when vehicles you're holding are involved in accidents. Garage keepers coverage and your commercial auto policy must coordinate properly to ensure there's no gap in coverage. This is where working with an agent who understands California's auto insurance requirements is critical.
Franchise Agreements and Manufacturer Requirements
If you operate a new-car dealership, a franchise agreement often specifies minimum garage keepers coverage as a condition of maintaining your dealership rights. If you operate a service center or rental facility under a manufacturer or corporate brand, similar requirements may apply. Review any franchise agreement or corporate service agreement to confirm garage keepers coverage requirements before your renewal—a lapse in coverage could violate your agreement.
What Affects Your Garage Keepers Insurance Rate
- Type of business and vehicle exposure—high-volume repair shops face different risk than luxury dealerships or valet services; premiums reflect the frequency and type of vehicles handled
- Average value of customer vehicles in your care—shops handling $20,000 average-value vehicles pay lower premiums than shops handling $80,000 average-value vehicles; coverage limits reflect values
- Number of vehicles in your possession at any time—businesses storing 50 vehicles overnight face higher loss frequency risk than those holding 5 vehicles at a time
- Volume of vehicles handled annually—shops processing 5,000 vehicles annually face higher aggregate exposure than shops processing 500 vehicles; premiums scale with volume
- Prior claims history—a clean loss history earns better rates; multiple prior claims significantly increase premiums and may make some carriers decline to quote
- Security measures and loss-prevention practices—businesses with alarm systems, security cameras, monitored gates, locked facilities, and employee training programs earn meaningful discounts; insurers reward documented loss prevention
- Whether coverage includes transit—policies covering vehicles transported between locations cost more than policies covering vehicles on your premises only
- Deductible selection—higher deductibles ($2,500, $5,000) lower premiums; low deductibles ($500, $1,000) increase annual cost; choosing a higher deductible saves 15-25% on premium
- Geographic location and local theft/vandalism rates—businesses in high-theft areas pay higher premiums; rural locations with lower theft rates generally qualify for better rates
Garage Keepers Insurance Terminology
Understanding these key terms helps you navigate garage keepers insurance conversations and policies with confidence:
- Care, Custody, or Control
- The legal standard for when garage keepers insurance applies. If a customer vehicle is in your physical possession (in your garage, on your lot, in your transport vehicle, or under your direct management), you have care, custody, or control of it, and garage keepers coverage applies to loss or damage that occurs during that time. Once the customer retrieves the vehicle, coverage typically ends.
- Direct Primary Coverage
- Garage keepers liability structured so that your insurance pays first for damage to customer vehicles, before the customer's own insurance is involved. This is more expensive than excess coverage but simpler operationally and aligns with customer expectations. Most repair shops and dealerships prefer direct primary.
- Excess Garage Keepers Coverage
- Coverage that pays only after the customer's own insurance has been exhausted or declined to cover a loss. This is cheaper than primary coverage but creates complexity—if the customer's insurance denies a claim, your excess policy may not respond. Excess coverage is less common for repair shops and more common for valet or storage facilities.
- Per-Vehicle Limit
- The maximum amount your garage keepers policy will pay for damage to or loss of any single customer vehicle. If you damage a $100,000 vehicle and your per-vehicle limit is $50,000, your coverage only pays $50,000 and you're responsible for the rest. Choosing appropriate per-vehicle limits based on the values of vehicles you handle is essential.
- Per-Occurrence Limit
- The maximum amount your garage keepers policy will pay for all claims arising from a single event. If a fire damages multiple customer vehicles in your garage, your per-occurrence limit is the total your insurance will pay for all vehicles involved, not per-vehicle. Per-occurrence limits are typically higher than per-vehicle limits to account for catastrophic events.
- Loss Assessment (in the context of garage keepers)
- When damage occurs to customer vehicles and fault is unclear or shared between your business and the customer, an appraisal may be required to determine who's responsible. Garage keepers policies with 'appraisal' or 'loss settlement' provisions allow an independent appraiser to assess whether damage was pre-existing or caused by your negligence, helping resolve disputes fairly.
- Subrogation Rights
- The right of your insurance carrier to pursue recovery from a third party who caused damage. If a third-party vehicle damages a customer's car while it's in your possession, your insurer may subrogate against that third party to recover what they paid. Understanding subrogation is important if you're pursuing claims related to vehicles in your care.
- Deductible
- The amount you pay out of pocket for each covered loss before your insurance responds. A $1,000 deductible means you cover the first $1,000 of damage to each vehicle; your insurance covers the rest up to your limit. Higher deductibles lower your premium; lower deductibles increase it. Choosing an appropriate deductible based on your risk tolerance and cash flow is important.
Why Covered By Us for Garage Keepers Insurance
We're an independent agency based in Pomona, and we work with repair shops, dealerships, valet services, and other businesses taking customer vehicles into their possession across the Inland Empire, Los Angeles County, Orange County, and statewide. Because we're independent, we shop multiple carriers specifically for garage keepers exposure—not just one-off quotes from generalist brokers. We work with carriers who specialize in this class of business and understand the nuances of repair-shop versus dealership versus valet exposure. Our local presence and experience with these businesses means we know which carriers are currently competitive, which have tightened underwriting, and which offer the best structures for your specific business model.
We ask detailed questions about how your business actually operates before we run a quote: How many vehicles do you typically have in your possession? What's the average value? Do you transport vehicles or store them overnight? What's your prior loss history? Do you have security systems in place? These questions matter because generic online quotes miss the specific details that should shape your coverage. We help you understand the tradeoff between primary and excess coverage, we explain what higher coverage limits actually cost, and we walk through whether additional endorsements make sense for your situation. We'll review your current policies to confirm whether you actually have a coverage gap, and we'll make sure your garage keepers policy coordinates properly with your commercial auto and general liability policies so there's no overlap or gap.
When you work with Covered By Us, you get an agent who understands the specific liability exposure of businesses like yours, who can translate industry jargon into plain English, and who can guide you through the underwriting process if questions come up. If you ever have to file a claim—a customer vehicle is damaged or stolen—we're here to help you navigate the claim process and advocate for you with the carrier. Start My Quote online or call 909-278-7053 and let's make sure you have the right coverage for the vehicles your customers entrust to your care.
Frequently Asked Questions
Does my general liability policy cover damage to customer vehicles?
Does my commercial auto insurance cover customer vehicles I'm transporting?
What's the difference between primary and excess garage keepers coverage?
How much garage keepers coverage do I need?
If a customer's vehicle is stolen from my lot, does garage keepers insurance cover it?
What if a customer claims I damaged their vehicle but the damage was pre-existing?
Can I reduce my garage keepers insurance premium?
Do I need garage keepers coverage if I mostly store customer vehicles rather than repair them?
Does my garage keepers policy cover my own fleet or vehicles I own?
How often should I review my garage keepers coverage?
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