Auto Dealer Garagekeepers Insurance

Connect the coverage to the operation

Garagekeepers coverage addresses covered physical damage to customers' vehicles in the dealership's care, custody, or control, subject to the selected form, causes of loss, limits, deductibles, and exclusions. The review should distinguish customer autos from inventory, owned vehicles, loaners, and demonstrators.

Exposures to discuss

Fire, theft, vandalism, weather, or collision involving customer autos
Vehicles stored inside, outside, or at secondary locations
Road testing, pickup, delivery, valet, and after-hours custody
Concentrated customer-vehicle values after a major event

Information to prepare

Average and maximum number and value of customer vehicles
Service, body shop, detailing, storage, towing, and valet activities
Keys, gates, cameras, lighting, and overnight security
Legal liability, direct primary, and direct excess form differences

Build a clearer submission

Accurate operational details, current values, loss history, and contract requirements help clarify the risk. Policy terms, limits, exclusions, eligibility, and availability vary by account and market.

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