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Garagekeepers coverage
Published 2026-06-12 · by Brokly
In plain terms: Covers customers' vehicles while they're in your care — parked on your lot, up on the lift, or out on a test drive.
Why it matters to you
General liability and commercial auto cover injuries and your own vehicles — not the customer's car you're working on. If theft, hail, or a lift accident damages a car in your keeping, this is the coverage that answers.
Where you’ll see it
On auto-shop policies alongside commercial auto. Quotes offer it in legal-liability form (pays only when the damage was your fault) or direct form (pays regardless of whose fault it was).
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.