Understanding Garage Keepers Coverage
Garage liability coverage is like combining a business auto policy with general liability coverage. It protects you from bodily injury or property damage caused during garage operations — such as owning, maintaining, or using vehicles and locations for your business.
However, most garage liability policies have a care, custody, or control exclusion. This means your customer’s vehicle, while in your possession for repair, storage, or test driving, is not covered unless you have garage keepers insurance.
Garage keepers insurance can be purchased in three main forms:
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Legal Liability – Covers a customer’s vehicle if damage occurs due to your negligence.
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Direct Primary – Pays for customer vehicle damage regardless of fault.
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Direct Excess – Pays for customer vehicle damage only after other collectible insurance is exhausted.
Garage Keepers Insurance in New Braunfels & Central Texas
The terms “garage liability” and “garage keepers” often confuse both clients and even some agents. While they sound similar, they cover different risks.
Example: A customer brings their vehicle in for repairs. During a test drive, your mechanic accidentally causes an accident that damages both the other driver’s vehicle and the customer’s car. The other driver’s injuries and vehicle damage fall under your garage liability policy, but the customer’s car is covered under your garage keepers insurance.
Serving New Braunfels & Central Texas Businesses
Whether you operate an auto repair shop, detailing business, or dealership, Miller & Miller Insurance Agency understands the unique risks you face in New Braunfels and the surrounding Central Texas region. Our team works with top carriers to ensure you have the right balance of liability and garage keepers protection so you’re covered in every scenario.
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Avoiding Costly Garage Claims
Garage keepers insurance isn’t just about repairing damaged cars — it’s about protecting your reputation. Even one uncovered incident can cost thousands and harm customer trust. Our latest blog post breaks down the most common garage-related claims and how proper coverage can prevent financial setbacks, legal disputes, and lost business opportunities.
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Contact Us for a Garage Keepers Insurance Quote
Our agents specialize in tailoring garage keepers coverage to fit your exact operations. Whether you need stand-alone protection or a bundled commercial package, we’ll walk you through your options. Call our New Braunfels office today or request your quote online. We make the process straightforward so you can focus on running your business with peace of mind.