Often yes, and on some losses it has to. Where the customer carries comprehensive or collision, their own policy can respond to damage to their vehicle, and under a direct excess basis it is expected to go first. Three things push a loss back onto the customer whatever basis you bought. Garagekeepers is written by peril, so a shop that took specified causes of loss without collision has nothing for a test-drive accident. Theft by your own employee is excluded. Personal belongings inside the car are excluded or sublimited. Worth knowing before you tell a customer you are covered.
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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