Garage Liability vs. Garagekeepers in Georgia: A Simple Breakdown for Service Shops

Auto service shops in Georgia may face risks that call for the right insurance. Garage liability and garagekeepers coverage are two policies owners should know, as they address different exposures. D. Ward Insurance Services can help you review these options and find the one that fits your business.

What Is Garage Liability Insurance?

Garage liability insurance covers bodily injury and property damage claims tied to your shop’s operations. This may include incidents on your premises or related to your business activities. For instance, if a customer falls in your waiting area or an employee damages personal property apart from their vehicle, this coverage can help cover the costs.

What Is Garagekeepers Insurance?

Garagekeepers insurance, on the other hand, specifically covers damage to customers’ vehicles while they are in your care, custody or control. This is especially important for auto shops that store, repair or service vehicles overnight or for extended periods. If a customer’s car is damaged by fire, theft, vandalism or even a collision while on your property, garagekeepers insurance can help cover repair or replacement costs.

Key Differences and Why Both Matter

Understanding how these coverages differ can help you review your insurance needs:

• Garage liability insurance can cover injuries or property damage caused by your operations.
• Garagekeepers insurance can cover damage to customer vehicles in your care.

Both policies cover different risks, and having each can provide broader coverage.

Get Started Today

Our team at D. Ward Insurance Services can help you assess your needs and secure the right coverage. Contact us to get an instant quote online.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.