Work from the peak, not the average. The measure is the total value of customer vehicles on your premises at the worst moment, which is usually overnight, over a weekend, or when a job is waiting on parts. Then check how the limit is arranged. Some forms state a limit per location, some per occurrence, and the deductible may apply per vehicle rather than per event, which matters when hail or a break-in reaches a whole row of cars. High-value or collector vehicles can exceed a standard limit on their own.
Related FAQs
Typically not. Tools and equipment are usually addressed under other coverages we can review with you.
It generally refers to vehicles a customer has left with you. Garagekeepers is designed to respond when those vehicles are damaged while in your care.
Many auto businesses do, because they cover different exposures. We can help you decide based on how you operate.
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