/ BLOG

What is the difference between Garage Liability and Garagekeeper Liability?

Jun 13, 2023 · 3 minutes to read

You’ll come across garage liability and garagekeepers liability coverage if you work in the automotive services industry. Confused? Even people in the insurance business can be confused.

These two types of insurance may seem similar at first, but they are quite different. They’re designed to be combined to provide comprehensive coverage.

Learn the differences between garage liability and garagekeepers liability to protect your business.

What is garage liability coverage?

Garage liability insurance is often the first type of coverage purchased by owners of auto businesses. This insurance provides financial protection if you are held responsible for accidents in garage operations. For example, if a customer slips and falls in your shop, or if they damage a client’s property.

Say you are driving your vehicle and hit another car. Garage liability insurance in Florida includes damage to another vehicle, not the car you are driving.

What is garagekeepers liability insurance?

Garagekeepers liability insurance covers vehicles that you don’t own but are in your possession, such as vehicles owned by your customers. It covers damage to vehicles that you are servicing.

A customer may have dropped off their car to be serviced. Your mechanic accidentally drives into the bay, hitting a bollard and causing a dent in the car. The garagekeepers liability insurance would cover repairs to the car caused by the bollard.

What is the difference between garage liability and garagekeepers liability?

Let’s compare the two policies now that you know what they cover.

Garage liability insurance protects you from any liability in the event of an accident that occurs during business operations. Garagekeepers liability insurance pays for covered damages on the vehicles of customers.

Garage Liability does not cover vehicles left at the garage; it only covers certain business activities and the use of automobiles. Garage liability protects your business against certain garage-related lawsuits due to your owning a business.

Garagekeepers Liability Insurance provides financial protection if you damage a customer’s vehicle by accident. This protection will help pay for any covered damages that occur if you leave the car in your care, whether it is being repaired or stored.

Do I need garage liability or garagekeepers insurance?

You’ll need garage liability insurance if you are just starting. This is a standard insurance policy that’s often required by auto service providers.

Garage liability is an insurance that covers all the risks faced by business owners, including but not limited to:

  • Auto Repair
  • Auto body
  • Car wash
  • Tire shops
  • Oil Change Stations
  • Shops that sell auto parts

Garagekeepers insurance is essential for any auto-related business. Garagekeepers liability is an extra cushion that protects your business. Garagekeepers liability can help protect your customers as you grow your business.

How BizInsure helps auto service and repair businesses

You can make better decisions about your insurance coverage if you know the difference between garage liability and garagekeepers’ liability. BizInsure simplifies your insurance and takes care of everything else so you can concentrate on running your business.

Our auto repair and service insurance packages are tailored to your company’s specific needs.

If you have any questions, our licensed insurance professionals in the U.S. are available to assist.

Start your quote now.

Let's find

The coverage you need for your business

Professional Liability Insurance

Professional Liability Insurance

Get a quote

General Liability Insurance

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Professional Liability Insurance

Get a quote

General Liability Insurance

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Workers Compensation Insurance

Get a quote

Easy to navigate what you need. Always notify ahead of renewal!
Andrew is an asset to your company!
Liability Insurance is not enough for a smallbusiness. BizInsure also has Professional Liability Insurance to protect my business and team from unintended missteps. Thank you for making the process easy.
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Fast, Simple, convenient
This company is very efficient, easy to manuever their online renewal, I love it and would recommend to anyone.
Awesome service!
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
VERY PROFESSIONAL STAFF. CALLS ARE RETURNED PROMPTLY!!
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Excellent and Easy service - Thank you.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
js_loader
Google Rating
4.7
Based on 299 reviews
×
js_loader