What Does Garage Keepers Cover

Garagekeepers coverage coverage provided under a garage policy for auto and trailer dealers particularly those dealers that maintain a service department or body shop for liability exposures with respect to damage to a customer s auto or auto equipment that has been left in the dealer s care for service or repair for example.

What does garage keepers cover.

To add to the confusion it comes in three varieties. Damaged while it is at your business. Garagekeepers coverage is an optional line offering protection to the garage business for loss to a customer s auto left in the insured s care custody or control. Additionally this policy is comprehensive meaning it will provide diverse coverage other than collision or overturn.

A garagekeepers insurance policy protects you if a customer s vehicle is. It s a form of bailee liability whose purpose is to protect your client s car van truck or motorcycle while you have it in your garage for parking storing or performing a. What garagekeeper s insurance does not cover. Garage keeper s insurance covers that vehicle until the owner comes to pick it up.

Garagekeeper s insurance does not cover. Damage to vehicles owned by you or your business this is covered by towing liability insurance. As such this policy. This coverage is not included in a standard garage liability policy.

The policy clarifies that by. If you need garage keepers insurance for your operation. What is garage keepers liability insurance. For example in an incident where a fire breaks out at a garage holding a customer s car the shop owner will not be covered unless they have a garage keeper s policy.

It protects customers vehicles from damages while in your possession or control as a result of. Covers bodily injury and property damage related to an accident arising from garage operations including ownership maintenance or use of the business. It is a liability endorsement providing physical damage protection for non owned vehicles. Garage liability serves as a hybrid policy commercial general liability with a bit of commercial auto coverage that s specific to garage operations and auto dealers.

Garage keepers insurance mainly covers property damage involving customer vehicles while they are in the custody of the shop.