Garage Keepers Insurance from Massachusetts Specialists

What is Garage Keepers Insurance?

Automotive service centers are generally responsible for the vehicles that customers leave with them, and customers might hold centers financially liable for any damage that vehicles sustain while in a center’s care. Garage keepers insurance can help Massachusetts service centers protect themselves from this potential risk.

Garage keepers insurance is a highly specialized form of commercial liability insurance for automotive service centers and similar businesses. Because the insurance is so specialized, service centers should work with an insurance agent who’s familiar with this particular type of liability coverage when selecting a policy.

What Massachusetts Businesses is Garage Liability Insurance Right For?

A wide range of automotive service centers and related businesses in Massachusetts may benefit from having garage liability insurance. A few examples of businesses that might want or need this type of liability coverage include:

• Service centers at automotive dealerships
• Independent auto service centers
• Gas stations that employ mechanics
• Auto body shops
• Auto glass installers
• Quick oil change businesses
• Tow trucks
• Auto painters
• Auto audio system installers

Although they don’t perform work on vehicles, valet companies also should consider having garage liability insurance coverage. Valets also may be held responsible for vehicle damage that occurs while a car is in their care.

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What Kinds of Claims Does Garage Liability Insurance Cover?

The risks that a specific garage liability insurance policy protects against are determined by the policy’s particular terms, conditions and exclusions. Generally speaking, there’s a range of claims that a policy may cover: Although they don’t perform work on vehicles, valet companies also should consider having garage liability insurance coverage. Valets also may be held responsible for vehicle damage that occurs while a car is in their care.

• Vandalism
• Theft
• Collisions
• Accidental damage
• Extreme weather
• Fire

An agent who specializes in this particular type of liability coverage will be able to explain in full what a given policy will cover.

Do Garage Liability Policies Extend Coverage to Customers’ Belongings?

Garage liability policies don’t normally extend coverage to belongings that customers leave in vehicles as a standard protection. Instead, customers are usually expected to insure their belongings through their own auto or homeowners insurance policy.

For garages that do wish to cover belongings that are in customers’ vehicles, some garage liability policies make it possible to do so. When it’s available, coverage is usually added on via an endorsement that provides the additional protection. 

How Much Do Garage Liability Policies Cost?

Premiums for garage liability policies are based on a number of factors, and they vary from one policy to the next because of this. Coverage is generally affordable, though, and it’s almost certainly less costly than what a major claim could be if no protection were in place.

Comparing quotes is the best way to find out precisely how much purchasing insurance in a specific situation will be, and working with an independent agent makes comparing quotes easy. An independent agent can request quotes from different insurance companies in the state, and they have the expertise needed to check for differences in both prices and protections.