Garagekeepers legal liability coverage is an optional coverage designed for business owners who are keeping customer’s vehicles at a covered location for parking or storing, or to perform service.
Garagekeepers legal liability insurance provides protection in case a vehicle is damaged by fire, theft, vandalism or collision.
Who Needs Garagekeepers Legal Liability Insurance?
If your business operates a garage and provides service to others, garagekeepers legal liability coverage is for you because it protects you when their vehicle is in your care, custody and control.
Limits, Deductibles, and Other Details
You must select limits for garagekeepers legal liability coverage, which will determine the maximum amount of coverage available to you on a per-occurrence basis.
Whether one car or a garage full of cars is damaged while in your care, the total amount covered by garagekeepers insurance is based on the limits you choose.
You also must select a per-vehicle deductible.
Garagekeepers Legal Liability Coverage Example
You store a customer’s car in your shop overnight. Unfortunately, criminals break into your garage and vandalize the customer’s car.
Garagekeepers legal liability insurance would pay to repair the damage caused to the customer’s car, up to the limit you select.
Exceptions and Restrictions
- If you have more than one storage location, each location must be listed separately.
- You may also want to purchase garage liability insurance.