What Is Garagekeepers Legal Liability Insurance?
Garagekeepers legal liability (GKLL) insurance covers physical damage to customers' vehicles while they are in your care, custody, or control. If a customer's vehicle is damaged by fire, theft, vandalism, collision, or other covered perils while at your location, garagekeepers insurance pays for the damage.
This coverage is separate from garage liability insurance. Garage liability covers bodily injury and property damage to third parties from your operations. Garagekeepers covers the physical damage to customers' vehicles specifically — a gap that many businesses don't realize they have until a claim occurs.
"Without garagekeepers coverage, you are personally responsible for any damage to customer vehicles in your care — regardless of fault."
What Garagekeepers Covers
Who Needs Garagekeepers Insurance?
Any business that takes possession of customer vehicles needs garagekeepers coverage:
- Auto repair shops and body shops
- Car dealerships with service departments
- Tow truck companies and tow yards
- Oil change and quick-lube shops
- Tire shops and alignment centers
- Parking garages and valet services
- Vehicle storage facilities
- Detailing shops