Protect the vehicles entrusted to your business.
Specialized protection for repair shops, tire shops, detailers, body shops, mobile mechanics, tint shops, towing operations and other businesses that handle customer vehicles.
Quick Quote Options
Submit your shop information and receive options from available garage-insurance markets.
Competitive Markets
Compare available carriers, limits, deductibles and coverage forms for your operation.
24/7 Certificates
Access proof of insurance and certificate services through the MAS insured portal.
Coverage for vehicles in your care, custody or control.
Garage keepers insurance helps protect customer vehicles while they are being serviced, repaired, stored, parked, transported or otherwise handled by your business.
Depending on the selected coverage form, protection may respond to covered collision damage, theft, vandalism, fire, weather events and other causes of loss.
What affects your premium?
Business type and services performed
Annual gross sales and payroll
Average and maximum vehicles on premises
Maximum value of any one customer vehicle
Security, storage and building construction
Prior coverage and loss history
Tailored garage coverage for your type of operation.
We help insure traditional repair facilities, specialty shops, mobile businesses and other operations that handle customer vehicles.
Mechanic Shops
Coverage for repair and maintenance of passenger vehicles, commercial autos, recreational vehicles and heavy trucks.
- General automotive repair
- Engine and transmission work
- Heavy truck service
Tire Shops
Programs for new and used tire sales, tire installation, repairs, balancing and related wheel services.
- New tire installation
- Used tire sales
- Tire repair and balancing
Electrical & Alarm Shops
Coverage for vehicle alarm installation, audio systems, lighting, wiring and other automotive electrical work.
- Alarm systems
- Lighting and audio installation
- Alternator and electrical repair
Body & Paint Shops
Protection for collision repair, painting, body work, restoration and custom vehicle modifications.
- Collision repair
- Paint and refinishing
- Customization work
Mobile Mechanics
Options for mechanics who perform repairs at customer homes, commercial locations, roadside sites or job sites.
- Passenger vehicle service
- Commercial vehicle repair
- Roadside mechanical work
Tint & Wrap Shops
Coverage for window tinting, vinyl wraps, graphics, ceramic coatings, rims and appearance customization.
- Window tint installation
- Vehicle wraps and graphics
- Wheels, rims and accessories
Detailing & Car Washes
Programs for hand washing, mobile detailing, paint correction, interior cleaning and automated car washes.
- Mobile and fixed-location detailing
- Hand and automated washing
- Paint correction and coatings
Towing & Roadside Service
Coverage options for towing, vehicle recovery, roadside assistance, impound operations and storage lots.
- Customer vehicle storage
- On-hook coverage options
- Roadside service operations
Dealers, Parking & Valet
Options for eligible auto dealers, parking facilities, valet services and businesses storing customer vehicles.
- Vehicle storage
- Parking and valet operations
- Dealer-related options
Common situations a garage business can face.
Whether a loss is covered depends on the selected coverage form, cause of loss, deductible, exclusions and other policy conditions.
Accidental Collision
An employee backs a customer’s vehicle into another vehicle while moving it inside the shop.
May be covered under garage keepers.Storm or Flood Damage
A severe storm damages multiple customer vehicles stored inside or outside the facility.
Coverage depends on the causes of loss included.Theft or Vandalism
Customer vehicles are stolen or intentionally damaged while left overnight at the business.
May be covered subject to security requirements.Customer Slip and Fall
A customer slips on an oily floor in the waiting area and suffers an injury.
Usually a garage or general liability exposure.Garage keepers is only one part of your protection.
Auto-service businesses often need several policies or coverage parts working together.
Garage Keepers
Designed to protect customer vehicles in your care, custody or control from covered causes of loss.
- Customer autos being repaired
- Vehicles stored overnight
- Vehicles being moved or test driven
Garage Liability
Helps address covered bodily injury and property damage arising from garage operations and, when included, business auto exposures.
- Customer slip-and-fall claims
- Completed-operations claims
- Covered garage auto liability
Workers’ Compensation
Helps cover eligible medical expenses and lost wages when an employee suffers a covered work-related injury.
- Mechanic and technician injuries
- Shop-related accidents
- Employers liability protection
Commercial Property
Protects eligible buildings, tools, lifts, diagnostic equipment, inventory, furniture and business property.
- Shop building and improvements
- Tools and equipment
- Parts and inventory
Strong shop controls can help protect your customers.
Security procedures, written work orders and employee controls can reduce claim frequency and improve the way losses are documented.
Protect your garage business in three simple steps.
Tell us about your operation, compare available options and choose the coverage that fits your business.
Tell Us About Your Shop
Provide your services, location, sales, payroll, employee information and customer-vehicle exposure.
Start your quote →Compare Your Options
We review available markets, limits, deductibles, exclusions and garage keepers coverage forms.
Review & Bind
Select your policy, complete the required documents and access certificates through the insured portal.
Flexible protection. Options for every shop.
These starting-price examples are for illustration only. Actual premiums depend on the business, coverage form, limits, vehicle values and underwriting profile.
Fault-based garage keepers protection.
Prices may start near
- Customer vehicle protection
- Fault-based coverage form
- Flexible deductibles
- Multiple limit options
- Certificate access
Broader protection for customer vehicles.
Prices may start near
- Coverage may apply regardless of fault
- Broader customer protection
- Collision and comprehensive options
- Multiple deductibles available
- 24/7 certificate access
Excess protection over other collectible insurance.
Prices may start near
- Excess coverage structure
- Coordination with other insurance
- Customer vehicle damage options
- Flexible limit structures
- Carrier-specific coverage terms
*Examples are not guaranteed quotations. Premiums may vary based on location, classification, years in business, annual sales, payroll, customer vehicle values, security, storage conditions, prior insurance, claims history, coverage form, limits, deductibles and other underwriting factors.
What we may need to quote your garage business.
Complete and accurate information helps carriers evaluate your operation and provide appropriate coverage terms.
Start My QuoteBusiness Information
Legal name, address, ownership, years in business, hours and a complete description of services.
Sales & Payroll
Estimated annual gross sales, employee payroll and number of technicians or other employees.
Vehicle Exposure
Average and maximum number of customer vehicles in your possession at one time.
Vehicle Values
Maximum value of any one customer vehicle and maximum total value of all vehicles at one location.
Property & Security
Building construction, fencing, lighting, alarms, cameras, key controls and overnight storage details.
Loss History
Prior carrier information and loss runs showing previous claims during recent policy periods.
Garage keepers does not cover every type of loss.
Coverage depends on the policy language. The following exposures may be excluded or may require separate insurance.
Faulty Workmanship
The cost to redo faulty work or replace a defective part is generally not covered by garage keepers.
Customer Property Inside Vehicles
Personal belongings, tools or merchandise left inside customer vehicles may be excluded.
Employee Dishonesty
Theft committed by an employee may require employee dishonesty or commercial crime coverage.
Undisclosed Operations
Services not disclosed to the carrier may be excluded or create underwriting and coverage problems.
Intentional Damage
Intentional acts by an insured are generally excluded from insurance coverage.
Employee Injuries
Injuries to your employees generally require workers’ compensation rather than garage keepers coverage.
Document customer-vehicle damage immediately.
Quick reporting and complete documentation can help the carrier investigate the claim and determine applicable coverage.
Protect the Vehicle
Prevent additional damage and arrange emergency assistance when necessary.
Take Photographs
Photograph the vehicle, damage, location and any equipment involved.
Document the Incident
Record when, where and how the loss occurred and identify employees or witnesses.
Notify the Carrier
Report the loss promptly using the insurance carrier’s claim-reporting process.
Ready to compare garage insurance options?
Start your quote online or call our licensed team at (305) 428-2005.
Garage keepers questions, answered.
Our team can help review your services, vehicle exposure, coverage limits and contract requirements.