Who needs it
Truck repair shops, body shops, towing and storage yards, and trucking companies that service or store other people's trucks.
What it pays for
- Garage liability: injuries to customers and visitors at your shop
- Garage liability: damage caused by work you did, after the customer drives away
- Garagekeepers: customer trucks damaged by fire, theft, vandalism or collision while in your care
- Garagekeepers: customer trucks damaged while you test drive or move them
What it won't pay for
- Your own trucks and equipment
- Faulty work itself, usually (it pays for the damage the work caused, not to redo the work)
- Injuries to your employees (that's workers' comp)
- Customer belongings left in the truck, usually
What moves the price
We don't show prices online. These are the things an agent and the insurance companies look at.
- The type of work you do
- How many customer trucks you hold and their value
- Your lot's security: fencing, lights, cameras
- Payroll and number of employees
- Your claims history
Real situations
- A fire in your shop damages two customer tractors parked inside. Garagekeepers pays to repair them.
- A brake job your shop did fails and the customer's truck hits another car. Garage liability pays for the other car and your defense.