Protect your auto repair shop, dealership, body shop, or detailing business from liability claims, and cover customers' vehicles in your care, custody, and control. Fast quotes from a tech-forward Utah brokerage.
Garagekeepers insurance is a specialized commercial coverage designed for businesses that service, store, repair, or otherwise take temporary custody of customers' vehicles. It fills a critical gap that standard general liability and commercial auto policies leave open: if a customer's car is damaged by fire, theft, vandalism, or a collision while it is in your possession, on your lot, in your bay, or on a test drive, garagekeepers coverage responds to that claim. Without it, your business could be personally liable for the full cost of repairing or replacing the customer's vehicle.
There are two main coverage forms. Legal-liability garagekeepers coverage pays only when your business is legally at fault for the damage, it is typically the more affordable option. Direct-primary garagekeepers coverage pays regardless of fault, protecting the customer's vehicle even when the cause of loss (such as a fire or storm) is not your negligence. Many Salt Lake City and Utah County auto service businesses choose direct-primary because it eliminates disputes over fault and demonstrates a higher standard of care to customers.
Garage liability is a related but separate coverage that addresses third-party bodily injury and property damage arising from your garage operations, for example, a customer injured on your premises, or a vehicle you test-drove that causes an accident on a public road. Together, garage liability and garagekeepers insurance form a comprehensive protection package for Utah auto service businesses including auto repair shops, body shops, oil change and quick-lube facilities, detailers, tire shops, dealerships, valet operations, towing companies, and service garages.
Utah dealerships also operate in a dealer-bond and licensing environment administered by the Utah Motor Vehicle Division. While dealer bonds are a separate requirement, maintaining proper garagekeepers and garage liability coverage is an important component of operating a compliant, professional dealership or service facility across the Wasatch Front and beyond. We shop your exposure across carriers that specialize in auto service risks to get you the right limits and form, quickly and without overpaying.
Fire, theft, vandalism, and collision damage to autos in your possession or on your lot.
Third-party bodily injury and property damage from your shop operations or premises.
Coverage when a vehicle you operate on public roads is involved in an incident.
Attorney fees, settlements, and judgments from covered claims against your business.
Running an auto repair shop, body shop, dealership, or detailing business in Utah? Apply online in minutes and our licensed agents will compare garage liability and garagekeepers rates across our top-rated carriers to deliver the right limits and coverage form for your operation.
We handle the quoting and paperwork so you can focus on your customers, not your coverage gaps.
Through our trusted MGA partner, BTIS (Builders & Tradesmen's Insurance Services), we can quote a wide variety of business niches — from contractors and small retail shops to professional offices and specialty risks. This partnership gives us access to a network of top-rated national carriers, allowing us to deliver competitive pricing and tailored coverage options across hundreds of industries.
