Connect coverage to the actual operation
Repair operations vary widely—from oil and tire service to engine, transmission, electrical, diagnostic, mobile, and specialty work. Services, vehicle types, custody, road testing, and quality controls should be explicit.
Risks to review
- Customer vehicle damage or theft
- Road-test and vehicle movement liability
- Equipment, lifts, fire, batteries, and property damage
- Repair errors and completed-operations claims
Information to prepare
- Services performed and vehicles accepted
- Average and maximum customer-vehicle values
- Technicians, drivers, road tests, keys, overnight storage, and security
- Lifts, tools, diagnostic equipment, parts, waste, and fire controls
Frequently asked questions
Is garage liability the same as garagekeepers?
No. Garage liability addresses covered liability from garage operations, while garagekeepers can address customer autos in the business's care. Both forms and operations should be reviewed.
Should mobile repair work be disclosed?
Yes. Off-premises work, vehicles, tools, customer locations, and completed operations can change the exposure.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.