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Garagekeepers for auto repair shops
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Customer cars in your care or being serviced.
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)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for garagekeepers, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the garagekeepers benchmark for auto repair shops — same URL, real numbers.
Until then, see what auto repair shops need state by state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Florida · Georgia · all states →
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