Garage Keepers Insurance

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.

Multiple carrier options Mobile operations welcome 24/7 certificate access
Garage keepers insurance for auto service businesses
Customer vehicles Care, custody and control
24/7 Insured portal Certificates when needed

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.

Customer vehicle protection

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.

Collision damage Fire and smoke damage Theft and vandalism Wind, hail and weather events Accidental vehicle damage Storage and parking exposures
Review My Garage Risk
Garage Insurance Review

What affects your premium?

01

Business type and services performed

02

Annual gross sales and payroll

03

Average and maximum vehicles on premises

04

Maximum value of any one customer vehicle

05

Security, storage and building construction

06

Prior coverage and loss history

Coverage forms

Choose the protection that fits how your business operates.

Garage keepers coverage is commonly written using one of three coverage approaches. Availability and definitions vary by carrier and policy form.

01

Legal Liability

Generally responds when the business is legally liable for covered damage to a customer vehicle in its possession.

  • Fault-based protection
  • Often the lowest-cost option
  • Subject to policy exclusions
  • Defense may be included for covered claims
Review this option
03

Direct Excess

May apply after other collectible insurance covering the customer vehicle has responded to the loss.

  • Excess over eligible underlying insurance
  • Can fill certain remaining covered losses
  • Coordination with other insurance required
  • Terms vary significantly by carrier
Review this option
Businesses we insure

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.

01

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
02

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
03

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
04

Body & Paint Shops

Protection for collision repair, painting, body work, restoration and custom vehicle modifications.

  • Collision repair
  • Paint and refinishing
  • Customization work
05

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
06

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
07

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
08

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
09

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
Real-world exposures

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.

01

Accidental Collision

An employee backs a customer’s vehicle into another vehicle while moving it inside the shop.

May be covered under garage keepers.
02

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.
03

Theft or Vandalism

Customer vehicles are stolen or intentionally damaged while left overnight at the business.

May be covered subject to security requirements.
04

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.
Build the complete program

Garage keepers is only one part of your protection.

Auto-service businesses often need several policies or coverage parts working together.

Customer vehicles

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
Business operations

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
Your employees

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
Your property

Commercial Property

Protects eligible buildings, tools, lifts, diagnostic equipment, inventory, furniture and business property.

  • Shop building and improvements
  • Tools and equipment
  • Parts and inventory
Reduce preventable losses

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.

Photograph vehicles at intake Record existing damage on work orders Limit vehicle access to authorized employees Store keys in a secured location Use lighting, alarms and surveillance cameras Maintain clear test-drive procedures Keep customer vehicles inside when practical Report incidents promptly
Keys Secure and track customer vehicle keys
Photos Document vehicle condition at intake
CCTV Use surveillance around storage areas
Logs Track vehicle movement and test drives
How we work

Protect your garage business in three simple steps.

Tell us about your operation, compare available options and choose the coverage that fits your business.

01

Tell Us About Your Shop

Provide your services, location, sales, payroll, employee information and customer-vehicle exposure.

Start your quote
02

Compare Your Options

We review available markets, limits, deductibles, exclusions and garage keepers coverage forms.

03

Review & Bind

Select your policy, complete the required documents and access certificates through the insured portal.

Pricing examples

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.

Legal Liability

Fault-based garage keepers protection.

Prices may start near

$ 49 /month
  • Customer vehicle protection
  • Fault-based coverage form
  • Flexible deductibles
  • Multiple limit options
  • Certificate access
Get Started
Direct Excess

Excess protection over other collectible insurance.

Prices may start near

$ 249 /month
  • Excess coverage structure
  • Coordination with other insurance
  • Customer vehicle damage options
  • Flexible limit structures
  • Carrier-specific coverage terms
Get Started

*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.

Prepare for your quote

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 Quote
01

Business Information

Legal name, address, ownership, years in business, hours and a complete description of services.

02

Sales & Payroll

Estimated annual gross sales, employee payroll and number of technicians or other employees.

03

Vehicle Exposure

Average and maximum number of customer vehicles in your possession at one time.

04

Vehicle Values

Maximum value of any one customer vehicle and maximum total value of all vehicles at one location.

05

Property & Security

Building construction, fencing, lighting, alarms, cameras, key controls and overnight storage details.

06

Loss History

Prior carrier information and loss runs showing previous claims during recent policy periods.

Important limitations

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.

01

Faulty Workmanship

The cost to redo faulty work or replace a defective part is generally not covered by garage keepers.

02

Customer Property Inside Vehicles

Personal belongings, tools or merchandise left inside customer vehicles may be excluded.

03

Employee Dishonesty

Theft committed by an employee may require employee dishonesty or commercial crime coverage.

04

Undisclosed Operations

Services not disclosed to the carrier may be excluded or create underwriting and coverage problems.

05

Intentional Damage

Intentional acts by an insured are generally excluded from insurance coverage.

06

Employee Injuries

Injuries to your employees generally require workers’ compensation rather than garage keepers coverage.

When a loss happens

Document customer-vehicle damage immediately.

Quick reporting and complete documentation can help the carrier investigate the claim and determine applicable coverage.

01

Protect the Vehicle

Prevent additional damage and arrange emergency assistance when necessary.

02

Take Photographs

Photograph the vehicle, damage, location and any equipment involved.

03

Document the Incident

Record when, where and how the loss occurred and identify employees or witnesses.

04

Notify the Carrier

Report the loss promptly using the insurance carrier’s claim-reporting process.

Protect your garage business

Ready to compare garage insurance options?

Start your quote online or call our licensed team at (305) 428-2005.

Frequently asked questions

Garage keepers questions, answered.

Our team can help review your services, vehicle exposure, coverage limits and contract requirements.

Need direct assistance? Speak with a garage-insurance specialist. Call (305) 428-2005 →
Who needs garage keepers insurance? +
Businesses that regularly take possession of customer vehicles should consider garage keepers insurance. Examples include repair shops, body shops, tire shops, detailers, tint shops, towing businesses, dealerships, valet services and parking facilities.
What does garage keepers insurance cover? +
Garage keepers may cover eligible damage to customer vehicles while they are being repaired, serviced, stored, parked or otherwise handled by your business. Covered causes of loss depend on the policy form.
What is the difference between garage keepers and garage liability? +
Garage keepers focuses on damage to customer vehicles in your care, custody or control. Garage liability generally addresses covered bodily injury, property damage and auto-related liability arising from garage operations.
What is legal-liability garage keepers coverage? +
Legal-liability coverage generally applies when your business is legally responsible for covered damage to a customer vehicle. The business’s negligence normally must contribute to the loss.
What is direct-primary garage keepers coverage? +
Direct-primary coverage may respond to covered customer vehicle damage regardless of whether your business is legally liable. It may provide broader protection than legal-liability coverage, subject to policy terms.
What is direct-excess garage keepers coverage? +
Direct-excess coverage generally applies after other collectible insurance covering the customer vehicle responds. Exact coordination provisions vary by policy and carrier.
What losses are commonly excluded? +
Common limitations may include defective parts, the cost of correcting faulty workmanship, employee theft, customer property left inside vehicles, intentional damage and undisclosed operations.
How do garage keepers limits work? +
Policies may include a maximum limit for any one vehicle, a maximum limit for all customer vehicles at one location or occurrence, and separate deductibles. The selected limits should reflect your highest realistic vehicle exposure.
Is the deductible applied per vehicle or per occurrence? +
Some policies apply the deductible to each vehicle, while others use a per-occurrence deductible or a combination of both. The quotation and policy should be reviewed carefully before binding.
Does garage keepers cover test drives? +
Coverage during a test drive depends on the garage policy, who is driving, the reason for the trip and the applicable garage auto and garage keepers provisions.
How much does garage keepers insurance cost? +
Premium depends on the business type, location, sales, payroll, number and value of customer vehicles, security, overnight storage, coverage form, limits, deductibles and claims history.
Can a mobile mechanic obtain garage insurance? +
Options may be available for mobile mechanics depending on the services performed, travel radius, vehicles serviced, driving exposure, tools, experience and claims history.
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