Connect coverage to the actual operation
Garagekeepers coverage can address covered damage to customer autos during service, repair, parking, storage, or test driving. Legal liability and direct forms do not respond in the same way. Limits should reflect the maximum concentration and value of customer vehicles on and off the premises.
Risks to review
- Customer vehicles damaged by collision, theft, fire, weather, or vandalism
- High-value vehicles concentrated overnight
- Road tests, pickup and delivery, towing, and off-site storage
- A coverage form that responds differently than customer expectations
Information to prepare
- Maximum number and total value of customer vehicles
- Highest individual vehicle value and specialty units
- Storage, lighting, keys, cameras, and after-hours procedures
- Road-test, driver, towing, loaner, and pickup practices
Frequently asked questions
How is garagekeepers different from garage liability?
Garage liability generally addresses covered liability arising from garage operations. Garagekeepers addresses covered damage to customer autos in the business's care, custody, or control.
Is direct primary coverage always broader?
The label alone is not enough. Causes of loss, exclusions, limits, deductibles, customer obligations, and the complete form should be reviewed.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.