What it covers
Garagekeepers responds to physical damage to a customer’s vehicle left in your care — fire, theft, vandalism, or collision while the car is at your shop. This is the line that answers the question “what if a customer’s car is damaged on my lot.”
Legal vs. direct forms
Garagekeepers is written in more than one form, and the difference is significant. On a legal liability form, coverage generally applies only where the shop is legally liable for the damage. On a direct primary or direct excess form, coverage can apply more broadly. This program writes garagekeepers on the ISO Garage Coverage Form with up to $2M total insured value and no per-vehicle cap. On the auto side, customer vehicles are addressed by covered auto Symbol 30 (autos left with you for service). Coverage generally applies where the shop is legally liable — it is not a flat guarantee that every customer’s car is covered in every situation. Coverage is governed solely by the terms of the issued policy.