What Does Garage Keepers Coverage Cover

Simply put garage keepers insurance or garagekeepers legal liability coverage is available for businesses that have service repair stations body shops or towing services.

What does garage keepers coverage cover.

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 service. The policy clarifies that by. There is then a particular form of content called garage keepers liability. Garage keepers liability insurance is vital for small businesses dealing with automotive services.

If you run a body shop and a cutomer s vehicle is damaged while in your hands your business is responsible to pay for repairs. They need auto responsibility coverage while driving a car. A garagekeepers policy protects clients against damage to a customer s vehicle including fire theft extreme weather and vandalism. This is a form of bailee coverage coverage of other property under your care custody and control that covers the vehicles a shop works on.

Garage keepers liability insurance is an optional coverage endorsement meant to protect only your customers vehicles or goods from damages while under your care custody control or possession. Generally the coverage is ideal for businesses that handle cars and trucks in some form but are not auto dealers. 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. Garagekeepers gkl is a confusing coverage and not only to the new dealers.

Regarding liability coverage they need general liability. 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. This policy however does not cover damage that occurs from things like faulty workmanship parts or out of date warranties.