Garage keepers Legal Liability Insurance
When someone else’s property is in your care, you’re responsible for any damages that may occur. At SCI, we understand that garage operations come with unique risks — and that you need specialized protection to match.
That’s why we offer custom, affordable Garagekeepers Legal Liability Insurance designed to safeguard your business and give you peace of mind every day.
What is garage keepers insurance?
Garagekeepers Legal Liability Insurance protects your business from financial losses if a customer’s vehicle is damaged while in your care. Whether it’s during servicing, repairs, towing, or due to employee negligence, this coverage ensures that you’re protected against costly claims and legal liability.
If you provide automotive, towing, or vehicle storage services, this is one of the most essential policies for your business.
What businesses need garagekeepers legal liability insurance?
This insurance is crucial for both small and large businesses that handle customer vehicles regularly. It protects against unexpected financial setbacks caused by accidents, negligence, or external risks.
Ideal for:
- Towing companies
- Service stations
- Auto dealers
- Parking lots
- Body shops
- Car washes
- Repair shops
- Restaurants and hotels with valet services
What type of protection do you get from garagekeeper legal liability insurance?
- Legal liability: The most important and expensive protection that you get from garagekeeper insurance is against legal liability. This policy protects the owner of the garage against loss or damages resulting from the negligence of the staff. For instance, when any of your mechanics impair the vehicle while repairing it this coverage will pay it off.
- Direct primary: This type of coverage protects your customer’s property if it gets stolen or damaged due to extreme weather conditions. No matter who is at fault, this policy will pay out for the expenses that are incurred after the incident.
- Direct access: This policy covers the gap in direct primary coverage. Direct access coverage protects you from all those likely risks that your existing policy doesn’t offer.
Garagekeepers liability vs. garage liability, which one do you need?
Garagekeepers Liability: Protects customer vehicles in your possession but not owned by you, such as vehicles you’re repairing, servicing, or parking.
Garage Liability: Protects your business from accidents or bodily injuries that occur during your garage operations — for example, if you accidentally damage a customer’s property while driving your own company vehicle.
Both coverages are essential for comprehensive protection in the automotive service industry.
What properties are not covered in garagekeepers legal liability insurance?
- Radar detectors
- CDs and DVDs
- Phones, scanners, radios, etc.
- Uninstalled stereo equipment
- Items in the trunk
What coverages are included in garage keepers insurance?
- Comprehensive: This policy covers you against all the risks that are capable of damaging your customer’s vehicle under your custody except colliding with other objects, or in the event of overturn.
- Specific causes of loss: This coverage is comparatively cheaper than the comprehensive one. It protects you against the damages caused by explosions, theft, fire, vandalism, or mischief.
- Collision: This coverage fills the gap present in comprehensive policy as it protects you against damages to a customer’s vehicle by colliding with other objects or overturning.
GET A FREE QUOTE
Don’t wait for an accident to expose your business. Protect your operations, reputation, and customers today with Garagekeepers Legal Liability Insurance from SCI.
Call us Monday to Friday, 9 AM – 5 PM for faster responses, or fill out our quick form below to get your quote instantly.