What Garage Keepers Liability Covers

Garage Keepers Liability protects your business when a customer’s vehicle is damaged while it’s in your possession. This includes:

• Fire, theft, vandalism, or collision damage to customer vehicles
• Damage caused by your operations, including test drives
• Valet or parking operations liability
• Legal defense costs if a customer files a claim or lawsuit 

This coverage fills the gap left by standard commercial liability policies, which exclude property in your care, custody, or control. 

❌ What Garage Keepers Liability Does Not Cover

Garage Keepers Liability is specialized coverage. It does not insure:

• Your own business vehicles (covered under commercial auto)
• Bodily injury claims (covered under general liability)
• Employee dishonesty or theft (covered under crime policies)
• Dealerowned inventory vehicles (covered under floor plan insurance) 

🏢 Who Needs Garage Keepers Liability?

Any business that handles customer vehicles should carry Garage Keepers coverage, including:

• Auto repair shops & body shops
• New & used car dealerships
• Parking garages & lots
• Valet parking services
• Towing companies
• Auto detailing & car wash businesses 

If customers leave their vehicles with you — even briefly — you are exposed to liability.

💵 Typical Pricing

Garage Keepers Liability premiums vary based on your operations, number of vehicles, security measures, and risk exposure. Industrystandard ranges include: 

• Small repair shops (10–20 vehicles): $800–$2,500 per year
• Dealerships (50–100 vehicles): $2,000–$8,000 per year
• Valet services: $1,500–$5,000 per year
• Highvalue vehicle operations: Higher limits required

Vanguard Insurance Group’s advisors can evaluate your business and tailor a policy that fits your exact needs. 

📄 Coverage Options: Legal Liability vs. Direct Primary

Legal Liability Form

Covers damage only when your business is legally responsible.

• Lower cost
• Does not cover damage from events like hail, fire of unknown origin, or vandalism unless negligence is proven

Direct Primary Form

Covers damage regardless of fault.

• Higher cost
• Provides broader protection and better customer experience
• Ideal for highvolume or highvalue operations 

🔐 Why Choose Vanguard Insurance Group?

Vanguard Insurance Group specializes in commercial insurance solutions for businesses of all sizes. Their advisors evaluate your operations and match you with the right coverage from trusted insurance partners. 

You benefit from:

• Tailored policies built around your business
• Experienced commercial insurance advisors
• Outstanding customer service
• Access to multiple reputable insurance carriers
• Fast, secure quote process 

📞 Get a Garage Keepers Liability Quote

Protect your business — and your customers’ vehicles — with the right coverage.

Request a quote today and one of Vanguard’s commercial insurance specialists will help you build a policy that fits your operations, risk level, and budget.

Get a Free Garage Liability Insurance Quote