Garage Insurance
34-Years Experience in Garage Insurance
Garage Liability Coverage
A garage insurance policy is designed to provide liability coverage for automotive service operations and auto dealers. Automotive operations include general auto repair operations, service stations and parking facilities. This type of policy provides bodily injury liability and property damage liability arising out of a garage or auto dealer business operations.
Premises operations, completed operations, product liability and auto liability are the four main coverage areas that is included in garage liability coverage.
Garage liability policy is typically purchased by garage operations that uses the premises for repair of customers’ vehicle.
Garagekeepers Coverage
Auto dealers and non-dealers such as general repair facilities, service stations and parking operations encounter major loss exposures by temporary possessions of customers’ vehicles. Hence obtaining coverage for customers’ vehicle in garage facilities’ care, custody and control is of utmost necessity.
Coverage for your customer’s vehicle in garage’s care, custody and control is provided by Garagekeepers Coverage. Collision, Specified Perils or Comprehensive is available. Property of others in your care while performing garage operation is excluded in liability policies. The only type of coverage that provides this type of insurance coverage is Garagekeepers coverage.
Garagekeepers coverage offers three coverage options: Garagekeepers Legal Liability, Garagekeepers Direct Primary and Garagekeepers Direct Excess.
Garagekeepers Legal Liability
Also referred to as GKLL, provided coverage for the customers’ vehicle while in garage’s care, custody and control if the garage owner facility is legally liable.
Garagekeepers Direct Primary
With this type of coverage, damages to the customers’ vehicles is covered regardless of garage owner being legally liable.
Garagekeepers Direct Excess
Damage to customers’ vehicle is covered regardless of garage owner being legally liability, however; this coverage is in excess to the customer’s own physical damage insurance which is primary.
All insurance coverages and policies are subject to the policies terms, conditions and exclusions.
For additional information or apply for a free garage insurance quote, please call 888-411-7679 and speak to one of our experienced California garage insurance specialists. Live licensed insurance agents are here to help!
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