The repair you got wrong is not the same as the damage that repair caused. Faulty workmanship, defective parts, and the cost of redoing the job are excluded, and garage liability does not add that back. What garage liability reaches is the resulting bodily injury or property damage if the bad repair causes a loss. Beyond that, personal belongings left inside a customer’s car are commonly excluded or sublimited, employee tools sit elsewhere, and vehicles the business owns belong on auto physical damage or dealer inventory coverage instead. Theft responds only where that peril was actually purchased.
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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