- What is it?
Garage keepers insurance is specialized liability insurance for non-owned vehicles. Should a non-owned vehicle sustain damage, the coverage may help pay for any necessary repairs or replacement.
- Who’s it for?
- Auto service centers, vehicle dealerships and oil change locations
- Body shops, auto glass specialists and audio installation specialists
- Tow trucks and independent mechanics
- What is offered?
- Collisions
- Other accidental damage
- Fire and extreme weather
- Vandalism and theft
Garage Keepers Insurance in California
What is garage keepers insurance?
When a business assumes possession of another company’s or person’s vehicle, the business generally becomes responsible for any damage that vehicle sustains. This risk is multiplied by however many vehicles a business assumes possession of, which is often quite a few. Garage keepers insurance may help California businesses that have others’ vehicles protect themselves from this sort of risk.
Garage keepers insurance is specialized liability insurance for non-owned vehicles. Should a non-owned vehicle sustain damage, the coverage may help pay for any necessary repairs or replacement.
What California businesses should carry garage keepers liability coverage?
Any California business that assumes responsibility for others’ vehicles may benefit from the liability protections that garage keepers coverage provides. A few examples of businesses that commonly get this coverage include:
- Auto service centers, vehicle dealerships and oil change locations>
- Body shops, auto glass specialists and audio installation specialists
- Tow trucks and independent mechanics
- Depots that have others’ trucks temporarily parked at their location
- Trucking companies that use and store non-owned trucks
Still other businesses may need this coverage. An insurance agent who specializes in garage keepers liability coverage can help businesses determine whether the vehicles they’re responsible for necessitates coverage.
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What California businesses should carry garage keepers liability coverage?
Any California business that assumes responsibility for others’ vehicles may benefit from the liability protections that garage keepers coverage provides. A few examples of businesses that commonly get this coverage include:
- Auto service centers, vehicle dealerships and oil change locations
- Body shops, auto glass specialists and audio installation specialists
- Tow trucks and independent mechanics
- Depots that have others’ trucks temporarily parked at their location
- Trucking companies that use and store non-owned trucks
What sorts of incidents are covered by garage keepers liability?
Garage keepers liability policies normally protect against a variety of incidents that can cause damage to non-owned vehicles. Depending on a policy’s terms, it might cover the following causes of damage:
- Collisions
- Other accidental damage
- Fire and extreme weather
- Vandalism and theft
When reviewing what incidents a policy covers, businesses should pay special attention to whether perils such as fires and hail fall within a policy’s protections. These perils can quickly cause significant damage to multiple vehicles.
Does garage keepers liability coverage apply to customers’ personal belongings?
When businesses assume possession of personal vehicles, owners often leave some belongings in their vehicles. How these belongings are covered depends on a business’s approach to the risk and a garage keeper liability policy’s terms.
Businesses might be able to find a garage keepers policy that covers customers’ belongings that are in vehicles, although such policies aren’t always common. If coverage for belongings is desired, a knowledgeable insurance agent can check whether any available policies offer the protection.
Many businesses leave customers responsible for insuring personal belongings, even if those belongings are in a vehicle parked in the business’s lot. Drivers might insure their belongings through a homeowners or other personal insurance policy.
How much are premiums for garage keepers policies?
Premiums for garage keepers policies vary from one policy to the next. They’re impacted by the value of the vehicles covered, the number of vehicles covered, a business’s location and a business’s past claims history, among other factors. Businesses that have to insure expensive commercial vehicles normally should be prepared to pay higher premiums than those that need coverage for average personal vehicles.
Businesses can find out how much the garage keepers coverage they need will cost by comparing policy options with an independent insurance agent. Independent agents are able to request quotes from multiple insurers, which makes it easy to see how much different companies will charge in a given situation.
How can California businesses get quotes for garage keepers insurance?
For help comparing garage keepers insurance policies, contact the independent insurance agents at Truck Writers Insurance Services. Our California agents are well-versed in this and other vehicle-related policies, and we have the expertise necessary to find a garage keepers policy that will provide your business with robust coverage.
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