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Garagekeeper's Legal Liability

Covers customer vehicles while they're in your shop's care, custody, or control, a gap that standard general liability was never designed to fill.

Get a quote for Garagekeeper's Legal Liability

What it covers

  • Fire, theft, and collision damage to customer vehicles in your care
  • Damage to vehicles while being serviced, stored, or parked at your shop
  • Coverage for vehicles you don't own but are responsible for
  • Legal defense costs for related claims

What it doesn't cover

  • Damage to your own shop vehicles (that's Commercial Auto)
  • Liability for injuries at your shop unrelated to vehicles (that's General Liability)
  • Mechanical failure unrelated to a covered event
  • Vehicles outside your shop's actual care, custody, or control

Who needs this

Auto repair shops, body shops, valet services, and any business that takes physical custody of customer vehicles as part of normal operations.

From our horror stories

The Customer's Car That Caught Fire in the Shop

A repair shop is mid-service on a customer's vehicle when an electrical fault sparks a fire, destroying the car and damaging two others parked nearby.

Read the full story →
Common questions

Garagekeeper's Legal Liability FAQ

Doesn't my general liability cover customer vehicles?

No. Vehicles in your shop's actual care, custody, or control are typically excluded from standard general liability, which is exactly the gap this coverage fills.

Does this cover vehicles I'm just storing overnight?

Yes, typically, as long as the vehicle is in your shop's care, custody, or control, not just during active service.

What if damage happens during a test drive?

Usually covered under garagekeeper's liability, though it's worth confirming the specific terms for test drives with us.

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