Garage Keepers Insurance
Specialized garage coverage that protects your customers' vehicles and your operation from unexpected damages, giving you complete peace of mind while focusing on delivering quality automotive services.
We deliver specialized garage coverage from experts who know your unique business challenges.
With over 30 years protecting automotive service businesses, our specialized advisors bring extensive knowledge of garage operations and vehicle protection risks to every client relationship. We work collaboratively to develop comprehensive coverage solutions that safeguard against vehicle damage, theft, operational liability, and equipment breakdown while staying ahead of emerging automotive technology risks. Our dedication to ongoing support ensures your garage operation maintains complete protection as your services and customer base expand.
Our licensed auto insurance specialists serve automotive businesses of all sizes, from independent repair shops to multi-location service centers. Through continuous monitoring of automotive safety standards, environmental regulations, and facility security requirements, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against customer vehicle damage, theft incidents, and on-premises accidents.
We go beyond basic garage coverage to deliver comprehensive protection tailored to automotive service professionals. Our policies cover everything from customer vehicle damage and theft to premises liability and tools coverage, ensuring your garage operation maintains complete protection without vulnerable gaps.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Physical damage protectionfor customer vehicles during collisions while in garage custody, including impacts with structures, other vehicles, or fixed objects.
• Emergency response coveragefor immediate post-accident services, including towing operations, debris removal, and temporary storage of damaged customer vehicles.
• Documentation assistance servicesfor accident reports, police statements, and insurance claims related to collision damage while vehicles are in custody.
• Structural damage protectionfor vehicles sustaining frame damage, body panel destruction, or mechanical system failures during garage-related incidents.
• Non-collision damage coveragefor customer vehicles including fire damage, weather-related incidents, and vandalism while in garage possession.
• Theft protection servicesfor vehicles and their contents while under garage care, including break-ins, parts theft, and unauthorized access.
• Environmental damage safeguardsprotecting against chemical spills, paint overspray, and other substance-related damages occurring during service operations.
• Storage facility protectioncovering damages from building system failures, roof leaks, and structural issues affecting stored vehicles.
• Service-related incident coveragefor damages occurring during maintenance work, including lift accidents, tool damage, and technician errors.
• Test drive protectioncovering accidents during vehicle testing, including employee operation, diagnostic runs, and post-repair verification.
• Equipment malfunction coveragefor damages caused by diagnostic tools, repair machinery, and automated systems during service procedures.
• Transportation incident protectionfor damages during vehicle movement within premises, including parking operations, vehicle staging, and lot transfers.
• Personal item protectionfor customer belongings left in vehicles, including electronic devices, personal effects, and installed accessories.
• Vehicle content coveragefor factory-installed equipment, aftermarket modifications, and specialized vehicle components during service periods.
• Documentation protection servicesfor vehicle titles, registration papers, and maintenance records while in garage possession.
• Inventory damage coveragefor customer-supplied parts, materials, and components awaiting installation or during repair processes.
On average, Garage Keepers Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Advanced security systems like CCTV, perimeter fencing, and electronic access control directly reduce premium costs by minimizing theft and vandalism risks.
Garages storing luxury or high-performance vehicles face higher premiums than those servicing standard cars due to increased financial exposure.
Urban locations with higher crime rates and natural disaster exposure typically command larger premiums compared to suburban or rural facilities.
Facilities with larger vehicle storage capacities require higher coverage limits, resulting in increased premium costs for expanded operations.
Garages with previous damage or theft claims face steeper premiums, while those maintaining clean records qualify for significant discounts.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Garage Keepers Insurance typically covers all customer vehicles in your care, including cars, trucks, and motorcycles, while stored on your premises. Coverage applies to specified perils like theft, vandalism, and weather damage, but may exclude mechanical work damages. Vehicles must be properly documented upon intake, stored in designated secure areas, and maintenance records kept current. Implementing a comprehensive vehicle check-in system and security protocols helps ensure consistent coverage and claim validation.
Yes, you typically need both coverages as they serve different purposes. Garage Liability covers general operations and injuries, while Garage Keepers specifically protects customers' vehicles in your custody. Most state regulations and business contracts require both policies. Coverage limits should align with your average vehicle inventory value and risk exposure. Regular policy reviews ensure adequate protection as your business grows or services change.
Coverage typically extends to vehicles during test drives and transportation, provided they're conducted by authorized employees for business purposes. Specific routes and driver requirements must be documented and followed. Some policies may have distance limitations or exclude certain driving conditions. Maintaining detailed driver records, implementing strict test drive procedures, and documenting vehicle condition before and after movement helps ensure claim coverage.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
