Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Garage & Auto Dealers
Cover for businesses that keep, repair or sell other people’s vehicles.
What this cover does
Garage operations create an exposure ordinary commercial auto ignores: customer vehicles in your care. Garagekeepers cover answers damage to those vehicles, and dealer forms extend liability to test drives, loan cars and the lot itself.
Typically included
- Garage liability for premises and operations
- Garagekeepers cover for customer vehicles in your care
- Dealers open lot cover for inventory
- Liability arising from test drives and demonstrations
- Workers compensation for technicians
- Tools, equipment and diagnostic gear
Common add-ons
- Direct primary garagekeepers so customers claim on you first
- False pretence cover for fraudulent purchase
- Loaner and courtesy vehicle cover
- Faulty-work sub-limits
Questions
What people ask about garage
What is garagekeepers cover?
Cover for damage to customer vehicles while in your custody — fire, theft, vandalism and collision. Your general liability excludes property in your care, custody or control, which is precisely what a customer car is.
Legal liability or direct primary?
Legal liability pays only where you were negligent. Direct primary pays regardless, which keeps customers out of a fault argument with you. It costs more and resolves claims far faster.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Garage & Auto Dealers
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.