Do Windshield and Window Installers Need Garage Keepers Insurance?
When you think about auto dealer insurance coverage, one of the first things that comes to mind is protecting cars while they’re in a dealer’s possession. But what about businesses that specialize in windshield and window installation? Do these shops really need Garage Keepers Insurance? The short answer is yes. If you handle, move, or store a customer’s car—even for a short period—your business could face financial risks that only Garage Keepers Insurance can cover.
In this article, Garage Keepers Insurance explains why windshield and window installers should consider this specialized protection, how it ties into auto dealer insurance companies, and why it’s just as important for small shops as it is for larger auto dealer insurance company networks.
Understanding Garage Keepers Insurance
Garage Keepers Insurance is a specialized type of coverage that protects your customers’ vehicles while they are in your custody, care, or control. For instance, when a customer leaves their car with you for a windshield replacement, you are legally responsible for that car until the work is completed and the keys are returned.
Without Garage Keepers Insurance, you could be personally liable if the vehicle is stolen, damaged in a fire, or harmed during a natural disaster while it’s in your possession. This coverage is often bundled with auto dealer liability insurance or offered alongside auto dealer insurance requirements, depending on the state you operate in.
Why Windshield and Window Installers Need It
Many small auto businesses assume that their general liability insurance is enough. However, general liability covers bodily injury or property damage to third parties—not the customer’s car itself.
Imagine this scenario:
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A car is in your shop for windshield installation. A fire breaks out overnight and destroys the vehicle.
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While test-driving a customer’s vehicle to ensure the new window is sealed properly, an accident occurs.
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A thief breaks into your lot and steals a customer’s car waiting for service.
In all of these cases, Garage Keepers Insurance steps in to protect both you and your customer. Without it, you could be facing thousands of dollars in damages and legal issues.
Garage Keepers Insurance vs. Auto Dealer Insurance
Some people confuse Garage Keepers Insurance with auto dealer insurance coverage. While both are related, they serve slightly different purposes:
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Auto Dealer Insurance is broader, covering dealerships, used car lots, and businesses selling vehicles. It often includes auto dealer liability insurance, property coverage, and employee-related protections.
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Garage Keepers Insurance focuses on protecting customer vehicles in your care—whether you’re a mechanic, body shop, or windshield installer.
The good news is that many auto dealer insurance companies offer Garage Keepers Insurance as an add-on to their standard packages. That means if you’re already looking at auto insurance deals or even a state farm auto insurance bundle deal, you can often include Garage Keepers coverage at a reasonable rate.
Cost Considerations
One of the most common questions windshield and window installers ask is: What is the cost of Garage Keepers Insurance?
Just like auto dealer insurance cost, the premium depends on several factors:
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Location of your business (Florida auto dealer insurance, for example, is priced differently than in other states).
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The value of vehicles in your care.
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Security measures at your shop (cameras, alarms, fenced lots).
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Your claims history.
While it may feel like an extra expense, compare it to the potential loss of a luxury vehicle due to theft or fire. In most cases, paying for coverage is far cheaper than paying out of pocket after a disaster.
Meeting Legal and Business Requirements
In many states, including Florida, insurance is a legal requirement for auto-related businesses. Whether you’re selling cars or simply installing a windshield, regulators often expect you to carry some form of auto dealer insurance requirements, which can include Garage Keepers coverage.
When applying for licenses, renewing permits, or even working with other companies in the auto industry, you may be asked to show proof of insurance. Having a Garage Keepers Insurance policy shows professionalism and compliance.
How to Get the Best Auto Insurance Deals
As with any type of insurance, it pays to shop around. Here are a few tips to help windshield and window installers secure the best deal on auto insurance:
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Compare multiple quotes – Don’t just rely on one auto dealer insurance company. Get multiple offers to ensure you’re getting the best auto insurance deals.
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Bundle policies – Many providers like State Farm auto insurance bundle deals give discounts if you combine Garage Keepers with general liability, property, or workers’ compensation coverage.
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Work with specialists – A company like Garage Keepers Insurance specializes in the auto sector and understands your risks better than general insurers.
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Ask about used auto dealer insurance – If your shop also sells used cars, you may need used auto dealer insurance or used car auto dealer insurance along with Garage Keepers coverage.
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Check deductibles – A higher deductible might lower your premium, but make sure it’s an amount you can actually afford in the event of a claim.
Benefits for Customers and Your Business
Having Garage Keepers Insurance doesn’t just protect your business—it also builds trust with your customers. When people leave their vehicles with you, they want reassurance that their investment is safe.
By carrying proper coverage, you can market your services as:
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Professional and responsible.
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Aligned with industry standards for auto dealer insurance coverage.
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Offering peace of mind that their car is fully protected.
This kind of confidence can set you apart from competitors and may even help you attract new business.
Final Thoughts
So, do windshield and window installers need Garage Keepers Insurance? Absolutely. Just like dealerships, mechanics, and body shops, you’re responsible for the cars you work on.
Whether you’re looking for the best auto insurance deal, comparing deals on auto insurance, or seeking a dealer auto insurance quote, Garage Keepers coverage should be at the top of your list. It’s often part of a broader auto dealer insurance package, ensuring that your business meets state requirements, avoids costly risks, and provides customers with peace of mind.
If you’re a windshield or window installer in Florida or anywhere else in the U.S., reach out to Garage Keepers Insurance today. We specialize in creating tailored policies—whether you need Florida auto dealer insurance, used car auto dealer insurance, or the best deal for auto insurance that includes Garage Keepers coverage.