We partner with top‑rated national insurance carriers offering competitive Garagekeepers and towing industry coverage.
Industry‑Specific Expertise
Our advisors specialize in towing, repair shops, roadside assistance, and auto service businesses — we know the exact coverage you need.
Fast Certificates & Proof of Insurance
Get quick turnaround on COIs so you can take jobs, release vehicles, or meet vendor requirements without delays.
Nationwide Coverage Options
We help towing and auto service businesses secure Garagekeepers and On‑Hook coverage across multiple states.
Garagekeepers Insurance That Protects Every Vehicle in Your Care
When a customer hands you their keys—or you tow a vehicle onto your lot—you become responsible for what happens next. Garagekeepers Insurance protects customer vehicles while they’re in your care, custody, or control, whether stored indoors, outdoors, or held for repair.
This coverage is essential for towing companies, roadside assistance providers, auto repair shops, auto body shops, and any business that temporarily stores or works on customer vehicles.
With rising claims costs, vehicle complexity, and customer expectations, having the right protection keeps your business compliant, financially secure, and trusted by the people you serve.
Coverage Features
🔥 Fire Damage
If a stored customer vehicle is damaged by a fire in your shop or lot, Garagekeepers Insurance helps cover the repair or replacement costs.
🔒 Theft Protection
Covers customer vehicles stolen from your care — whether from a fenced lot, inside the shop, or during temporary storage.
🛠 Vandalism Coverage
Protects against intentional damage such as broken windows, graffiti, or tampering while the vehicle is on your property.
🚗 Collision While in Your Care
If a customer’s vehicle is accidentally damaged by your team while being moved, parked, or repositioned, this coverage helps pay for repairs.
🌧 Weather‑Related Damage
Storms, hail, falling debris, and other unexpected weather events can cause costly damage — Garagekeepers Insurance helps cover those losses.
🚧 Hit‑and‑Run Damage on Your Lot
If a customer’s vehicle is struck while parked on your premises and the responsible party can’t be identified, this coverage steps in.
Why Garage Keepers Coverage Matters for Your Business
When customers hand over their keys, they’re trusting you with one of their most valuable assets. Garage Keepers Insurance protects their vehicle while it’s in your care, covering damage from fire, theft, vandalism, weather events, or collisions on your lot.
Without this coverage, even a single unexpected incident could cost your business thousands out‑of‑pocket — and damage your reputation at the same time. Garage Keepers coverage closes that gap, giving you the protection and confidence you need to operate without risk.
Protects vehicles while in your custody, care, or control
Covers fire, theft, vandalism, extreme weather, and accidental damage
Shields your business from costly out‑of‑pocket losses
Helps maintain trust and professionalism with every customer
Essential for auto repair shops, body shops, dealerships, mobile mechanics, and more
Businesses That Rely on Customer Trust Need This Coverage
Garage Keepers Insurance isn’t just for auto repair shops — it applies to any business that takes custody of a customer’s vehicle for service, storage, or repair. If a vehicle is in your care and something happens to it, your business could be held responsible. This coverage protects you from unexpected losses and the expensive claims that follow.
Whether you run a small independent shop or manage multiple locations, Garage Keepers Insurance ensures that every vehicle on your lot is protected.
Businesses That Need This Coverage
Auto repair shops
Body shops and collision centers
New and used car dealerships
Detailers and car wash operators
Mobile mechanics and mobile detailers
Oil change and quick‑lube centers
Tire and wheel shops
Tow truck operators and recovery services
Parking garages, valet services, and storage lots
Garage Keepers Insurance protects customer vehicles while they’re in your care — but many business owners are surprised to learn what is and isn’t included. Understanding these details helps prevent gaps and ensures your shop is properly protected.
Below is a clear breakdown of the most common covered and excluded events.
Garage Keepers Insurance pricing varies based on the type of work you do, the value of the vehicles you handle, and your daily risk exposure. Most small to mid‑sized shops are surprised to learn how affordable this coverage is — especially compared to the cost of paying a claim out of pocket.
Below is a general look at typical pricing ranges, followed by the factors that influence your rate.
💰 Typical Garage Keepers Insurance Cost
Most businesses pay somewhere between:
$900 – $3,500 per year
($75 – $290 per month)
This range applies to:
Auto repair shops
Body shops
Detailers
Small dealerships
Mobile mechanics
Tire/lube shops
Larger operations (multi‑location, tow companies, high‑value lots) may see annual premiums between $4,000 and $12,000+, depending on exposure and coverage limits.
🔎 What Affects Your Price?
Your rate is based on several risk factors, including:
Type of business (repair, body work, dealership, tow, etc.)
Location risk (crime rate, weather hazards, urban vs. rural)
Your chosen coverage limit (per‑vehicle and total‑lot limits)
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