Repair shop coverage guide
Garagekeepers for auto repair shops
Updated 2026-06-11 · by Brokly
If a customer's car is damaged while it's in your care — on the lift, in the bay, or on your lot.
Coverage
What it covers for auto repair shops
Covers the shop's legal liability for damage to customers' vehicles while they're in its care for service, repair, or storage — on the lift, in the bay, or parked on the lot. (Liability-triggered as standard; direct-primary options pay regardless of fault.) Holding customer vehicles in care, custody, and control is the defining exposure of a repair shop — and the standard general-liability policy explicitly excludes care-custody-control, so without garagekeepers that damage is uninsured.
Sources: Oregon DAS Risk Management — Insurance Clauses: Garage Insurance (retrieved 2026-06-06)
By state
Garagekeepers by state
What auto repair shops need varies by state. See the full guide for auto repair shops in your state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Florida · Georgia · all states →