Key Differences Between Garage Liability and Garagekeepers Insurance
By Garage Keepers Insurance
When running an auto dealership, body shop, or service center, choosing the right insurance coverage is critical. Many dealers and repair shops often confuse Garage Liability Insurance and Garagekeepers Insurance. While both offer protection, they cover very different risks. At Garage Keepers Insurance, we help auto businesses understand these differences so they can choose the right policy.
What is Garage Liability Insurance?
Garage Liability Insurance is a type of auto dealer insurance coverage designed to protect your dealership against claims of bodily injury and property damage that occur on your business premises. For example, if a customer slips and falls at your lot, or your test-drive vehicle causes an accident, garage liability would respond.
This coverage is often part of dealer auto insurance programs and may be required under your state’s auto dealer insurance requirements before you can operate legally.
What is Garagekeepers Insurance?
Garagekeepers Insurance, on the other hand, protects vehicles that are left in your care, custody, or control. For example, if you’re a used car dealer offering service, or an auto repair shop, and a customer’s car is damaged by fire, theft, or vandalism while on your lot, garagekeepers insurance would cover it.
It’s an important add-on for businesses that service or store vehicles — and complements standard auto dealer liability insurance.
Key Differences Between the Two
| Coverage Type | What It Protects | Who Needs It |
|---|---|---|
| Garage Liability Insurance | Covers third-party bodily injury and property damage claims. | All dealerships and repair shops (required in most states). |
| Garagekeepers Insurance | Covers customers’ vehicles left in your care from damage or theft. | Dealers with service departments, mechanics, body shops. |
Why Auto Dealers Need Both
A dealership can’t afford to rely on just one. While auto dealer liability insurance protects against lawsuits and accidents, it does not cover damage to customer vehicles. Likewise, garagekeepers insurance won’t protect you from slip-and-fall claims.
At Garage Keepers Insurance, we build programs combining both, so you’re never left exposed.
How Garage Liability and Garagekeepers Insurance Fit Into Dealer Auto Insurance
When shopping for auto dealer insurance companies, you’ll find that most carriers recommend bundling these coverages into one comprehensive plan. Some well-known carriers, such as State Farm auto insurance bundle deals, may offer packages that reduce the overall auto dealer insurance cost while keeping your business protected.
We help you compare policies from every major auto dealer insurance company to make sure you secure the best auto insurance deals.
Auto Dealer Insurance Options
Whether you’re looking for:
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Used auto dealer insurance
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Used car auto dealer insurance
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Florida auto dealer insurance
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Independent dealership coverage
We can customize a program that balances protection and affordability. From securing the best deal auto insurance to finding the best auto insurance deal on a tailored policy, our team ensures you get coverage that meets both compliance and financial needs.
How to Get the Best Deal for Auto Insurance
If you’re searching for the best deal on auto insurance, here’s what you should do:
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Compare multiple auto insurance deals – We’ll shop around to find the auto insurance best deals for your dealership.
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Bundle coverages – Taking advantage of bundle deals can save money.
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Get a professional quote – Request an auto dealer insurance quote to understand your true cost.
Conclusion
The key difference between Garage Liability Insurance and Garagekeepers Insurance is simple: liability covers accidents that happen because of your operations, while garagekeepers covers vehicles under your care. Both are vital for protecting your dealership from costly claims.
At Garage Keepers Insurance, we specialize in crafting policies that combine both — giving dealers the protection they need at the best deal for auto insurance. Whether you’re in need of Florida auto dealer insurance, used auto dealer insurance, or a complete auto dealer insurance program, we’ll help you secure the right coverage at the best price.