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Garage keepers insurance policies provide specialized coverage for non-owned vehicles. Should a customer’s vehicle be damaged, the coverage might pay to repair or replace the vehicle.

  • Dealership auto service centers
  • Independent mechanics and garages
  • Quick oil change locations


  • Vehicle collisions
  • Accidental vehicle damage
  • Extreme weather (e.g. hail)

What is garage keepers insurance?

When service centers keep customers’ vehicles on their property, they assume substantial risk. Centers may be held financially liable for any damage that occurs to customers’ vehicles, and that potential liability is multiplied by however many vehicles are kept. One way that Massachusetts auto service centers may protect themselves from vehicle damage liability claims is by purchasing garage keepers insurance.

Garage keepers insurance policies provide specialized coverage for non-owned vehicles. Should a customer’s vehicle be damaged, the coverage might pay to repair or replace the vehicle.

Garage Keepers Insurance Massachusetts

What Massachusetts businesses should have garage keepers liability policies?

Most Massachusetts businesses that keep customers’ vehicles should have garage keepers liability. Without coverage, an incident that damages multiple vehicles could be financially devastating.

This broadly encompasses many businesses in the auto service industry, including:

  • Dealership auto service centers

  • Independent mechanics and garages

  • Quick oil change locations

  • Tow truck operators

  • Depots where trucks are parked

  • Trucking companies with non-owned equipment

  • Other businesses that have customers' vehicles

In some cases, valet car parking services might also need garage keepers liability. An insurance agent who specializes in these policies can help businesses determine whether this insurance is right for them.


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What types of incidents does garage keepers liability insurance protect against?

The exact terms of a garage keepers policy determine what exactly that policy covers. Depending on terms, policies might cover incidents such as:

  • Vehicle collisions
  • Accidental vehicle damage
  • Extreme weather (e.g. hail)
  • Theft and vandalism
  • Fire

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Does garage keepers liability insurance extend coverage to customers’ belongings?

Garage keepers policies often exclude customers’ belongings from their protections, and any policies that do offer coverage for belongings usually provide only limited protection. For this reason, many businesses have policies that stipulate customers are responsible for whatever is inside their vehicles. 

If businesses want a policy that provides substantial protection for customers’ belongings that are kept in vehicles, a knowledgeable insurance agent can check what policies are available.

Do garage keepers policies cover the vehicles that businesses own?

Garage keepers policies are liability policies, which means they normally protect against instances where a business might be held financially liable. These particular policies generally protect against incidents where a business might be held liable for damage to customers’ vehicles. 

These aren’t property policies, which are policies that normally protect assets that businesses themselves own. These policies, thus, usually don’t cover businesses’ own vehicles. Commercial auto coverage is likely a better choice for protecting owned vehicles.

(Garage keepers policies can protect vehicles that are owned by other businesses which are customers of the policy-holding business.)

Garage Keepers Insurance Massachusetts

How much do garage keepers policies cost?

The premiums charged for garage keepers policies are based on numerous factors, and thus vary from one policy to another. Some of the details that can impact cost include:

  • Number of vehicles covered

  • Value of vehicles covered

  • Business’ location

  • Business’ recent insurance claims

  • Policy’s chosen deductibles and limits

An independent insurance agent can help businesses compare different custom quotes to see how much insurance will cost in a specific situation. An independent agent isn’t connected to any one insurer, and is thus able to compare policy options from among multiple insurance companies.

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How can Massachusetts businesses get garage keepers insurance?

If you need help getting garage keepers insurance in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents are well-versed in the different coverages that auto service centers and similar businesses need. We have the expertise necessary to help you find a garage keepers policy that’ll keep your business well protected against potential customer claims.

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