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Garage Keepers Liability
Garage keepers insurance is a specialized policy designed for businesses that service, store, or handle customers’ vehicles. It provides protection against damages or losses to these vehicles while they are in your care, custody, or control.
Quick & Easy Quotes
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Affordable Rates
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24/7 Certificates
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QUOTE WITH US
We’ve got you covered.
Whether you’re running an auto repair shop, detailing service, towing company, or any operation where clients entrust their vehicles to you, Garage Keepers coverage safeguards against incidents like fire, theft, vandalism, or accidental damage.
Insurance solutions
Tailored to Fit Your Business
We have garage keepers and liability coverage for all types of businesses – For mechanics to tint shops and everything in between.
Mechanic Shop
- Vehicle Repair & Maintenance
- Heavy Truck Repair & Maintenance
- Recreational Vehicle Repair & Maintenance
Tire Shop
- New Tire Installation
- Used Tire Installation
- Used Tire Repair
Electrical Systems
- Alarm System Installation
- Electrical wiring, Light & Sound
- Alternator Repair & Installation
Body Repair Shop
- Collision Repair
- Paint Shop
- Customization Shop
Mobile Mechanic
- Personal Passenger Vehicle Service
- Commercial Vehicles Service
- Tractor & Heavy Vehicles Service
Tints & Wraps
- Tint Shop
- Wrap Shop
- Wheels & Rims
Portfolio
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Project Highlights
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How we work
Our Structured Process to Achieve Your Goals
01
Give us a call or quote online
If you’re not sure what coverages you need, give us a call. That’s what we are here for. Otherwise quote online using our quick and easy application.
02
Get your price
We work with many of the top insurance carriers. This allows us to quote and shop your insurance needs to ensure you buy the policy that’s best for you.
03
Review & Bind
Once you’ve understood and purchased your insurance policy, log into our insured portal and print your certificate of insurance 24/7.
We have you covered.
Coverages we can provided.
You accidentally damage your customers car while backing it up.
Covered.
We have you covered.
Coverages we can provided.
A strong storm rolls by flooding the shop and several cars in it.
Covered.
We have you covered.
Coverages we can provided.
Your customer comes into the shop and slips and falls.
Covered.
Pricing & Plans
Affordable Options, Great Value!
Pricing may vary by location, classification, years of experience, loss history and more
Legal-Liability:
Covers vehicle damage only when your business is legally at fault.
$49
/Month
- Live Chat for support
- Ticketing Workflows
- Service Level Agreement Rules
- Role Based Permissions
- Outcome Reporting
Direct-Primary:
Covers losses no matter who’s at fault—faster claims and greater peace of mind.
$149
/Month
- Live Chat for support
- Ticketing Workflows
- Service Level Agreement Rules
- Role Based Permissions
- Outcome Reporting
Direct-Excess:
Kicks in after the customer’s own auto policy pays out
$249
/Month
- Live Chat for support
- Ticketing Workflows
- Service Level Agreement Rules
- Role Based Permissions
- Outcome Reporting
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Contact Us
Have Questions? Get in Touch!
MAS Insurance Group Inc
24821 South Dixie Hwy,
Suite A1
Homestead, FL 33032
(305) 428-2005
Quotes@musasinsurance.com
Send a Message
FAQ
Frequently Asked Question?
You have questions and we have answers.
Who Needs Garage Keepers Insurance?
Businesses that regularly handle customer vehicles should consider this insurance. This includes:
- Auto repair shops
- Tint Shops
- Body shops
- Car dealerships
- Detailing services
- Tire Shops
- Valet services
- Towing companies
- Parking garages and lots
If your business takes possession of customer vehicles, Garage Keepers Insurance is essential to protect against potential liabilities.
What types of losses are not covered by Garage Keepers?
Coverage usually excludes:
Damage from faulty parts or poor workmanship
Theft by your own staff (employee dishonesty might need separate crime insurance)
Personal items inside customer vehicles
Do I still need General Liability or Garage Liability Insurance?
Yes—Garage Keepers covers customer vehicle damage. But General or Garage Liability is needed for:
Injuries on your premises
Faulty repair claims (bodily or property harm)
Slip‑and‑falls, property damage unrelated to customers’ cars
How much will this insurance cost for my shop?
Premiums vary depending on:
Annual revenue, location, shop size, claims history
Classification type
Number of vehicles serviced
Type of coverage chosen (e.g., direct-primary costs more than legal‑liability)
How do coverage limits and deductibles work for Garage Keepers policies?
Per-incident limit: Caps total payout for one event.
Per-vehicle limit: Max insurer pays per vehicle.
Aggregate limit: Annual cap across all claims.
Deductibles: Typically set per claim or per vehicle (e.g., $250–$1,000)
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