Start with the purpose of the coverage
Garagekeepers coverage can address covered damage to customers' autos while they are being serviced, repaired, parked, stored, or test-driven. Legal liability and direct coverage forms respond differently.
What the policy is designed to address
Connect this decision to the insured operation, credible loss scenarios, current information, policy wording, and requested protection.
Who and what should be included
Connect this decision to the insured operation, credible loss scenarios, current information, policy wording, and requested protection.
Where separate coverage may be needed
Connect this decision to the insured operation, credible loss scenarios, current information, policy wording, and requested protection.
What the policy may help address
Customer vehicles at the premises
Confirm covered causes, insured parties, locations, limits, deductibles, conditions, and exclusions in the actual proposal and issued policy.
Covered damage during service or storage
Confirm covered causes, insured parties, locations, limits, deductibles, conditions, and exclusions in the actual proposal and issued policy.
Direct or legal-liability structures
Confirm covered causes, insured parties, locations, limits, deductibles, conditions, and exclusions in the actual proposal and issued policy.
Details to examine for this decision
- Maximum number and value of customer vehicles
- Legal liability versus direct primary or direct excess form
- Storage, test drives, theft, weather, towing, and deductibles
Information to prepare
A complete submission helps distinguish the account and reduces avoidable follow-up. Prepare current records rather than relying on estimates from a prior policy period.
- Maximum customer-vehicle values on and off premises
- Services, storage practices, and operating locations
- Key, security, driver, and test-drive controls
Questions the review should answer
How does the program address maximum number and value of customer vehicles?
Document the answer in the proposal, applicable forms, endorsements, schedules, or written underwriting confirmation. Do not rely only on a certificate or marketing summary.
How does the program address legal liability versus direct primary or direct excess form?
Document the answer in the proposal, applicable forms, endorsements, schedules, or written underwriting confirmation. Do not rely only on a certificate or marketing summary.
How does the program address storage, test drives, theft, weather, towing, and deductibles?
Document the answer in the proposal, applicable forms, endorsements, schedules, or written underwriting confirmation. Do not rely only on a certificate or marketing summary.
Frequently asked questions
What should a business prepare for a Garagekeepers coverage basics review?
Useful starting information includes maximum customer-vehicle values on and off premises, services, storage practices, and operating locations, key, security, driver, and test-drive controls. The specialist may request additional details based on the operation and available insurance markets.
Why should Garagekeepers be reviewed separately from other policies?
Garagekeepers coverage can address covered damage to customers' autos while they are being serviced, repaired, parked, stored, or test-driven. Legal liability and direct coverage forms respond differently. The policy should also be coordinated with related property, liability, vehicle, people, contract, and continuity exposures.
Coverage descriptions are general and do not amend a policy. Eligibility, availability, limits, deductibles, exclusions, definitions, and terms vary by risk and insurance market. Actual policy documents control.