Garage liability
Protection against slips on oily shop floors, faulty parts causing downstream road accidents, and test-drive liability.
Automotive business protection
Garage liability and garagekeepers insurance for automotive businesses.
Protect auto repair shops, collision centers, transmission shops, and independent car dealerships with unified garage liability and physical damage protection for customer vehicles in your care, custody, and control.
Quick insurance start
Why is garage insurance & garagekeepers on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Care, custody, and control
Understanding Garage Liability vs Garagekeepers coverage.
Garage Liability covers bodily injury and third-party property damage from shop operations, but excludes the customer car on your lift. Garagekeepers specifically steps in to insure customer vehicles while in your care.
Key coverage solutions
Structured around the realities of your situation.
Garagekeepers legal liability
Insures customer vehicles against collision, fire, theft, and vandalism when the shop is legally negligent.
Garagekeepers direct primary
Pays for damage to customer vehicles regardless of legal fault (e.g., storm hail or vandalism on your lot), preserving customer goodwill.
Tools & diagnostic gear
Inland marine floater protecting expensive scan tools, wheel balancers, and technician toolboxes.
Quote underwriting details
What we need to build your independent comparison.
- Maximum lot exposureThe highest total value of customer vehicles or dealer inventory held on the premises overnight.
- Security & lot fencingKey lockbox procedures, perimeter chain-link fencing, security cameras, and lot lighting.
- Technician driving recordsMVR validation for employees who test drive customer autos or operate service tow trucks.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about garage insurance & garagekeepers.
What is the difference between Legal Liability and Direct Primary Garagekeepers?
Legal Liability only pays if the shop was legally negligent. Direct Primary pays first-dollar for covered damage to a customer car regardless of whether the shop was at fault, preventing customer disputes.
Does garage insurance cover employee test drives?
Yes. Road-testing vehicles after service is a core operation covered under standard garage policy terms.
Are technician hand tools covered?
Shop equipment owned by the business is covered under commercial property, while technician-owned toolboxes can be added via a specialty tool floater.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.