Commercial Insurance
Garagekeepers
Covers customers’ vehicles while they’re in your care for service, repair, or storage.
What It Is
Garagekeepers coverage pays for damage to customers’ vehicles while they’re in your care, custody, or control, from causes like fire, theft, vandalism, or collision on your lot. It comes in different forms: legal liability coverage pays only when you’re legally responsible, while direct coverage can pay regardless of fault.
What It Typically Covers
- Damage to customers’ vehicles in your care from fire, theft, vandalism, collision, and other covered causes
- Legal defense against covered claims
Common Gaps to Watch For
- Legal liability versus direct coverage. With legal liability coverage, you may not be covered for losses that weren’t your fault, which can strain customer relationships.
- Faulty repair work is typically excluded.
- Vehicles being towed need on-hook coverage.
- Limits per location. Make sure the limit covers the total value of vehicles you might hold at once.
Who Usually Needs It
Repair shops, service centers, body shops, terminals, and any business that holds customers’ vehicles.
What Underwriters Consider
- Number and value of customer vehicles held
- Security at your location
- Indoor versus outdoor storage
- Claims history
Questions to Ask
- Is my coverage legal liability or direct?
- Is my limit high enough for a full lot?
- Are vehicles covered while being test-driven?
- How are faulty work claims handled?
All coverage is subject to policy terms, conditions, and exclusions.
Last reviewed: November 1, 2026
If You Win, We Win.
Every business deserves an agent who understands its operation, represents it honestly, and stays engaged after the policy is bound.
Licensed in Illinois.