What Does Garage Keepers Cover

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What does garage keepers cover.

Garage liability insurance is a policy that covers bodily injury or property damage caused by an incident out of garage operations. A basic garage liability insurance policy is designed to cover bodily injury or property damage caused by an accident during garage business operations garage liability coverage is typically purchased by automobile dealerships and repair shops among other businesses. In a nutshell garage keepers liability coverage aims to protect your business and your customer s vehicle if something unlikely happens while it is under your possession. What does garage keepers liability cover.

This policy is comprehensive which usually means that anything other than collision or overturning the vehicle is covered. A general liability policy does not cover damage to vehicles that do not belong to the insured party. This article is intended to enlighten those in the insurance. Garagekeepers coverage coverage provided under a garage policy for auto and trailer dealers particularly those dealers that maintain a service department or body shop for liability exposures with respect to damage to a customer s auto or auto equipment that has been left in the dealer s care for service or repair for example.

Garagekeepers legal liability coverage is an optional coverage designed for business owners who offer towing services or operate service stations. Garage keepers insurance is a separate policy that covers the property damage to a client s car while it is in the care of the policyholder. This kind of coverage also includes the ownership and use of the autos as well as maintenance. The terms garage liability and garagekeepers is an issue not only for clients but most agents and csrs also find it just as confusing.

The difference between garagekeepers and garage liability insurance. Garagekeepers liability insurance covers sums you must legally pay as damages for loss to a customer s auto or its equipment left in your care while you are attending servicing repairing parking or storing it in your garage operations this term means the use of locations for the purpose of a business of selling servicing repairing parking or storing. Garagekeepers liability coverage. Additionally this policy is comprehensive meaning it will provide diverse coverage other than collision or overturn.

When you drop off your car at an auto repair garage you do not only expect it to be fixed but you expect it to remain safe while in the custody of the garage keeper. Garage liability is not garage keeper coverage. Garage keepers liability coverage what you need to know.