Garagekeepers Insurance
Garagekeepers covers physical damage to customers' vehicles while they're in your care, custody, or control — the high-value exposure of every car on your lifts and in your lot, which general and garage liability exclude.
Garagekeepers for Performance & Tuner Shops
The cars in your shop aren't ordinary daily drivers. A built engine, a turbo swap, a fully modified track car — the vehicles a tuner shop handles can be worth far more than their original sticker. The moment a customer's car is in your care, you're responsible if it's damaged. Garagekeepers is the coverage that responds.
What Garagekeepers Covers
- Fire, theft, and vandalism of customer vehicles on your premises
- Collision and damage during test drives and road-testing
- Damage on the lift or during service (per form selected)
- Weather and falling-object damage to stored vehicles
- Overnight storage of customer cars awaiting parts or pickup
Why It's Critical for Tuner Shops
A single high-horsepower customer car damaged on a dyno pull, in a test drive, or by a shop fire can be a six-figure loss. General liability and garage liability cover your liability to *third parties* — not physical damage to the customer's car in your custody. Only garagekeepers does that.
Legal Liability vs. Direct Primary
- Legal liability form: Pays only when you're legally responsible (negligent) for the damage
- Direct primary form: Pays for covered damage to the customer's car regardless of fault — broader protection and stronger customer goodwill
We help you choose the form and explain the trade-offs.
Setting Your Limit
Your garagekeepers limit should reflect the maximum total value of customer vehicles on your premises at one time — including the single most valuable build you handle. Underinsuring here is the most common and most expensive tuner-shop mistake.
What's Covered
Frequently Asked Questions
General and garage liability cover your liability to third parties — not physical damage to a customer's vehicle in your care. That exposure requires garagekeepers, which is essential for any shop that lifts, drives, or stores customer cars.
Enough to cover the maximum total value of customer vehicles on your premises at peak — including the most valuable build you handle. We set the per-location limit (and any per-vehicle sublimit) to your real exposure.