What is the difference between garage liability and garagekeepers?

Garage liability covers your shop's operations and premises liability, while garagekeepers covers physical damage to a customer's vehicle while it is in your care. Most shops need both, which is worth confirming for your operation.

Does my general liability cover customer cars?

Standard general liability generally excludes damage to vehicles in your care, custody, or control, which is why garagekeepers exists. Whether you have that coverage is worth verifying.

Do I need commercial auto if we only move cars on the lot?

If employees ever drive customer or shop vehicles on public roads, commercial auto is usually relevant. The right answer depends on how vehicles move in and around your shop.

Auto Service Business Insurance - Vantage Point Risk

Auto service insurance, for the bays and the vehicles in your care.

Auto service businesses, from tire and quick-lube to detailing and full service, take custody of customers' vehicles and run equipment-heavy shops. That creates garage liability and garagekeepers exposure that a standard general liability policy is not built for.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Auto service shops usually need a program built around garage liability and garagekeepers coverage, plus property for the building, tools, and equipment, and workers compensation for the crew.

Where auto service risk shows up

The defining exposure is damage to a customer's vehicle while it is in your care, custody, or control, which garagekeepers coverage is designed to address. Add premises injury, faulty work allegations, fire from the work you do, and employee injury in a physical shop.

Many shops also move customer vehicles on public roads or have shop trucks, which brings commercial auto into the picture.

Coverage that commonly applies

Garage liability covers the shop's operations and premises. Garagekeepers covers customer vehicles in your custody. Commercial property covers your building, lifts, and tools. Workers compensation is required once you have employees.

A commercial umbrella adds limit for the larger claims that a busy shop can face, and cyber coverage is worth considering if you store customer data or run a shop management system.

When it is worth a review

Review your coverage when you add services, take on higher-value vehicles, expand your bays or tooling, add shop vehicles, or hire, since each can change the limits and forms you should carry.

Auto service insurance, for the bays and the vehicles in your care.

Where auto service risk shows up

Coverage that commonly applies

When it is worth a review

Common questions.

Not sure your coverage fits how you operate?

Keep going.

Commercial Property

Workers Compensation

Commercial Auto

Commercial Umbrella

Auto service insurance, for the bays and the vehicles in your care.