Insurance for businesses who buy, sell, service, repair, store or park vehicles.

Garagekeepers liability insurance provides coverage for businesses that are involved in the care, custody, and control of their customers' vehicles. This type of insurance is typically purchased by auto repair shops, car dealerships, valet parking services, and other businesses that store or service vehicles owned by others.

Garagekeepers liability insurance covers damages to customers' vehicles while they are in the business's possession. The coverage extends to both vehicles that are being stored and those that are being worked on or serviced. The policy typically pays for damages caused by fire, theft, vandalism, collision, and other specified perils while the vehicle is in the care of the insured business.

There are two primary types of garagekeepers liability insurance:

1. Direct Primary Coverage: This type of coverage pays for damages to customers' vehicles regardless of who is at fault. It provides more comprehensive protection, but it may also be more expensive.
2. Legal Liability Coverage: This type of coverage pays for damages to customers' vehicles only if the business is found legally liable for the damages. It is usually less expensive than direct primary coverage but offers more limited protection.

Garagekeepers liability insurance is essential for businesses that handle customers' vehicles since standard commercial general liability or auto insurance policies may not provide adequate coverage for the unique risks associated with vehicle storage and service operations. Having this coverage in place can protect businesses from potential lawsuits and financial losses resulting from damage to customers' vehicles while they are in the business's care. Contact our team at United Heartland Insurance Agencies today to get your garagekeepers liability coverage quote or review of your current policy and pricing.

Note that some products and services may not be available in your area.

Protecting your customer's cars.

Our team is experienced with insuring local auto companies.