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Garage Keepers Insurance in Massachusetts

What Is Garage Keepers Insurance?

Automotive service centers can be held responsible for any damage that customers’ vehicles sustain while in the care of the garage. This risk can present a significant liability once the total value of a parking lot full of vehicles is calculated. To help protect against this potential risk, service centers in Massachusetts can purchase garage keepers insurance.

Garage keepers insurance is a somewhat narrowly defined form of commercial insurance that’s generally useful to automotive service centers and similar businesses. It’s a type of liability insurance. 

Like most other liability insurances, garage keepers will normally help pay court costs, other legal fees and settlements associated with covered claims. Moreover, the insurance usually begins paying on a covered claim when the claim is filed and before the case is ultimately settled.

What Businesses in Massachusetts Is Garage Keepers Liability For?

Many Massachusetts businesses that are entrusted with customers’ vehicles may find garage keepers liability to be a useful protection. Some specific examples of automotive service businesses that might need or want this coverage include:

  • Automotive dealerships that maintain service centers
  • Independent automotive service centers
  • Gas stations that have garages and mechanics
  • Automotive body shops
  • Automotive glass installation and repair centers
  • Quick lube and oil change garages
  • Tow truck businesses
  • Automotive painting specialists
  • Automotive audio system installation specialists

Additionally, valet businesses frequently also should consider garage keepers coverage. Even though valets don’t perform maintenance or repairs, they’re still entrusted with vehicles and might be held liable if anything happens to a vehicle that’s in their care.

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What Sorts of Incidents Are Covered by Garage Keepers Liability?

Garage keepers liability may offer protection against a range of potential incidents while vehicles are in a business’ possession. Depending on the specific coverage terms within a policy, incidents like the following might fall within the scope of what’s protected against:

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

Because what a policy covers depends on that policy’s specific terms and conditions, businesses should review a particular policy that they’re considering with a knowledgeable insurance agent before assuming certain risks are covered. An insurance agent who focuses on these kinds of commercial policies will know what’s normally covered and be able to explain what a particular policy covers.

Are Customers’ Belongings Covered by Garage Keepers?

Garage keepers coverage normally doesn’t include protections for customers’ personal belongings that are stored in a vehicle. Instead, any damaged or stolen belongings would normally fall under the domain of the customer’s homeowners or auto insurance policy.

In some cases, however, it’s possible to purchase optional coverage for customers’ belongings. This is usually done through an endorsement, which is a way of adding a narrow additional protection to a policy, and an insurance agent can likely help check whether such an endorsement is available on a policy.

Businesses generally don’t have to purchase such an endorsement, but it might help foster goodwill with customers if this sort of endorsement is procured.

Is Garage Keepers Coverage Expensive?

Garage keepers coverage varies in price because premiums are based on several factors. This coverage tends to be affordable, however, and it’s almost certainly more affordable than what replacing a full lot of destroyed vehicles would cost.

An independent insurance agent can help businesses find out exactly how much they’d need to pay for garage keepers. Independent agents are able to get quotes from several insurance companies, which makes it quick and easy to see what the lowest and average prices for a policy would be.

Can Garage Keepers Be Combined with Other Coverages?

Garage keepers may be purchased on its own, but many businesses combine it with other coverages. Many commercial package policies that are tailored to the automotive industry make this and other protections available together.

How Can Businesses in Massachusetts Get Garage Keepers Insurance?

For help finding a garage keepers insurance policy, contact the independent insurance agents of Roger Butler Insurance. Our agents can show you policy options from multiple insurance companies in Massachusetts, and we have the expertise needed to assist you in getting the best garage keepers policy for your business

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