Auto garage owners like yourself must have the best coverage available, but what type of coverage should you be looking for? When it comes to garage insurance, it can be difficult to differentiate between auto gAuto garage owners like yourself must have the best coverage available, but what type of coverage should you be looking for? When it comes to garage insurance, it can be difficult to differentiate between auto garage liability and garage keeper’s insurance, so which one should your business be looking for? Let our agency break down each of them for you:

• Garage liability insurance: Garage liability insurance is purchased by someone who owns a repair shop or some type of vehicle service center. Liability insurance normally covers liability for the premises, operations and products. Normally, there are two sub-policies that fall under liability insurance: completed operations coverage and product liability. Completed operations coverage comes into play when maintenance you perform on a vehicle proves to be defective and your customer is involved in an accident or is injured as the result of your work. Product liability involves bodily injury or property damage suffered by third parties as a result of defects inherent in the products you sell to a customer.
• Garage keeper’s insurance: On the flipside, garage liability insurance does not cover customer’s cars that are left in your care, but this is where garage keeper’s insurance comes in. If you cause damage to a customer’s vehicle while it is in your possession, garage keeper’s insurance is what you will need to cover these costs.

Let’s take a look at some examples to help it sound clear:

Let’s say a customer pays your business to fix their brakes. Your employees perform the maintenance, but after the customer takes their car back they are involved in an accident because their brakes were not properly serviced. This type of situation would most likely be covered under the completed operations coverage of your garage liability because damages were caused to a third party. Another example could involve your auto shop selling windshield wipers to a customer. Soon after, the customer discovers that the windshield wipers are defective and do not work or do the job effectively. Any resulting bodily injury or property damaged suffered as a result of the wipers poor performance would fall under the product liability portion of your garage liability coverage.

Garage keeper’s insurance is a bit different. Let’s say an employee finishes a cigarette and puts the ash in a bucket in your shop without properly extinguishing it. This cigarette causes a fire in your shop an severely damages a few vehicles in your possession. Since your employee is responsible for causing the damage to your customer’s vehicles, your garage keeper’s insurance respond to these claims.

It’s necessary for your auto garage to obtain the coverage you think you need. If you take possession of a customer’s vehicle, then you may want to consider a garage keeper’s policy in order to protect you from any liability issues that may occur while it is in your possession. If you also own a service shop , then you will need garage liability insurance coverage as well..

If you are still unsure what route to take, our agency can explain everything in detail for you and assist in finding the right option for your business to pursue.
arage liability and garage keeper’s insurance, so which one should your business be looking for? Let our agency break down each of them for you:

• Garage liability insurance: Garage liability insurance is purchased by someone who owns a repair shop or some type of vehicle service center. Liability insurance normally covers liability for the premises, operations and products. Normally, there are two sub-policies that fall under liability insurance: completed operations coverage and product liability. Completed operations coverage comes into play when maintenance you perform on a vehicle proves to be defective and your customer is involved in an accident or is injured as the result of your work. Product liability involves bodily injury or property damage suffered by third parties as a result of defects inherent in the products you sell to a customer.
• Garage keeper’s insurance: On the flipside, garage liability insurance does not cover customer’s cars that are left in your care, but this is where garage keeper’s insurance comes in. If you cause damage to a customer’s vehicle while it is in your possession, garage keeper’s insurance is what you will need to cover these costs.

Let’s take a look at some examples to help it sound clear:

Let’s say a customer pays your business to fix their brakes. Your employees perform the maintenance, but after the customer takes their car back they are involved in an accident because their brakes were not properly serviced. This type of situation would most likely be covered under the completed operations coverage of your garage liability because damages were caused to a third party. Another example could involve your auto shop selling windshield wipers to a customer. Soon after, the customer discovers that the windshield wipers are defective and do not work or do the job effectively. Any resulting bodily injury or property damaged suffered as a result of the wipers poor performance would fall under the product liability portion of your garage liability coverage.

Garage keeper’s insurance is a bit different. Let’s say an employee finishes a cigarette and puts the ash in a bucket in your shop without properly extinguishing it. This cigarette causes a fire in your shop an severely damages a few vehicles in your possession. Since your employee is responsible for causing the damage to your customer’s vehicles, your garage keeper’s insurance respond to these claims.

It’s necessary for your auto garage to obtain the coverage you think you need. If you take possession of a customer’s vehicle, then you may want to consider a garage keeper’s policy in order to protect you from any liability issues that may occur while it is in your possession. If you also own a service shop , then you will need garage liability insurance coverage as well..

If you are still unsure what route to take, our agency can explain everything in detail for you and assist in finding the right option for your business to pursue.