Garage Insurance
Garage and garagekeepers insurance covers businesses that service, sell, park, or store vehicles owned by others. It typically pairs garage liability for injury and damage arising from operations with garagekeepers coverage for physical damage to customer vehicles left in your care, addressing exposures a standard commercial auto policy may not reach.
If your business services, repairs, parks, or stores vehicles that belong to other people, a standard commercial auto policy usually does not go far enough. We help California shops, dealers, and service businesses sort out which pieces they need.
Garage Insurance Features
What does garage and garagekeepers insurance cover?
- Garage liability for bodily injury and property damage that may arise out of your garage operations.
- Garagekeepers coverage for physical damage to customers’ vehicles left in your care, custody, and control.
- Options that may include comprehensive and collision perils for stored vehicles.
- Coverage that can extend to your premises and completed work, depending on how the policy is structured.
Who needs it? Auto repair and body shops, new and used car dealers, valet operators and parking services, towing and roadside businesses, and detailers, tire shops, and quick-lube locations.
California auto businesses often face licensing and financial-responsibility expectations, and dealers and certain operators may need to show proof of coverage. We can help you understand how your coverage may line up with what is being asked of you.
How we help: we take time to understand your operation, from how many customer vehicles you handle to whether you offer test drives or loaners. Then we help you structure garage liability and garagekeepers so the coverage matches your real exposure.
