Garage Keepers Insurance
The moment a customer hands you their keys, their vehicle becomes your liability. Garagekeepers insurance protects auto service businesses from the financial consequences when a customer's vehicle is damaged, stolen, or destroyed while in their care.
Coverage for Every Vehicle That Is Not Yours but Is Your Responsibility
Standard garage liability covers your operations and your customers, but it does not cover the vehicles sitting in your bays, parked in your lot, or driven by your staff. For any business that takes custody of customer vehicles, that gap is significant. Whether you run a repair shop, a dealership, a body shop, or a parking facility, garagekeepers insurance fills that gap
Collision Coverage
Covers damage to customer vehicles caused by a collision while in your care, including accidents involving your staff driving a vehicle during service, test drives, or routine movement around your facility.
Fire and Explosion Coverage
Covers customer vehicles damaged or destroyed by fire or explosion on your premises, one of the most significant and costly risks any auto service facility faces given the presence of fuel and flammable materials.
Theft and Vandalism Coverage
Covers customer vehicles stolen from your lot or damaged by vandalism while in your custody, protecting your business from claims that arise even when your staff did everything right.
Comprehensive Coverage
Covers customer vehicles against a broad range of non-collision losses including weather events, falling objects, and other covered perils that can damage a vehicle while it sits in your care overnight or during extended service periods.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Auto Repair Shops and Body Shops
Repair and body shop operators handle customer vehicles daily, often keeping them overnight and moving them regularly throughout the service process. Garagekeepers coverage protects your business from damage claims that arise from the full range of risks a vehicle faces while in your facility.
Specialty Service Operations
Businesses that store, transport, or manage large volumes of customer vehicles carry significantly greater exposure across every vehicle on the lot. Comprehensive garagekeepers coverage scales to the volume and value of the vehicles your operation handles so every car, truck, and specialty vehicle in your custody is properly protected.
Body Shop, Dealership, or Repair Facility, This Coverage Is Yours
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does my garage liability policy already cover customer vehicles?
No, and this is the most common coverage gap auto service businesses face. Garage liability protects your business from third-party bodily injury and property damage claims arising from your operations, but it specifically excludes vehicles in your care, custody, and control. Garagekeepers coverage exists precisely to fill that gap, providing the protection that garage liability intentionally leaves out. Operating an auto service business without garagekeepers coverage means every customer vehicle on your lot is an uninsured liability.
What is the difference between direct primary and direct excess garagekeepers coverage?
Direct primary coverage pays a customer vehicle claim regardless of whether the vehicle owner's own insurance applies, making your policy the first and only source of recovery. Direct excess coverage only pays after the vehicle owner's personal auto insurance has been exhausted. Direct primary is the stronger and more customer-friendly option, as it avoids the awkward situation of filing a claim against a customer's own policy for damage that occurred while the vehicle was in your care. Discussing which structure is right for your operation with your agent depends on the volume and value of vehicles you regularly hold.
Are vehicles damaged during a test drive covered under garagekeepers insurance?
Yes, in most cases. Garagekeepers coverage typically extends to vehicles being driven by your staff during test drives, service pickups, and routine movement around your facility. However, coverage can be affected by who was driving, whether the use was authorized, and the specific terms of your policy. If your operation regularly involves driving customer vehicles significant distances, such as for road testing after major repairs or for pickup and delivery services, disclosing that to your agent ensures your garagekeepers coverage is structured to address the full range of situations where a customer vehicle could be damaged while under your control.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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