Garagekeepers Policy Feature Checklist
What to confirm in a garagekeepers policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current garage or garagekeepers policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Garagekeepers Coverage in Place | Garage liability excludes customers' vehicles — garagekeepers is the only coverage for them. | Standard | |
| Collision | Covers customer vehicles damaged while being moved or worked on. | Standard | |
| Comprehensive | Covers fire, theft, vandalism, and weather damage to customer vehicles. | Standard | |
| Basis: Direct vs. Legal Liability | Legal liability pays only if you are at fault — direct pays theft, hail, or fire regardless. | Often limited | |
| Limit per Location | Confirm the limit covers the most vehicles you ever hold, not the average day. | Often limited | |
| Per-Event Deductible | A hail or fire loss can hit many vehicles — confirm whether the deductible applies per vehicle. | Often limited | |
| Customers' Personal Property | Items left inside vehicles are often excluded or capped. | Often limited | |
| Electric Vehicles | Confirm EVs and battery fires are not excluded or sublimited. | If needed | |
| Off-Site & In-Transit Vehicles | Covers customer vehicles at another lot, on the street, or being towed. | If needed | |
| Valet & Storage Operations | Confirm valet parking and long-term storage are covered operations. | If needed |
The gap most often missed in this coverage
The gap most often missed with garagekeepers is the coverage basis. The common legal-liability version pays only when the business is at fault, so a theft from a locked, alarmed lot, hail, or a fire the shop didn't cause may go unpaid — and the customer will still expect the business to make it right. Limits sized for an average day also fall short when the lot is full of high-value vehicles. Confirm direct coverage, a limit that fits your busiest day, and how the deductible applies to multiple vehicles.
Send us the checklist and we'll review your garagekeepers coverage line by line, then market it across multiple carriers that compete for your account.
Related: Garagekeepers Insurance · Garagekeepers Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a garagekeepers policy include?
Standard features to confirm in a garagekeepers policy include Garagekeepers Coverage in Place, Collision, Comprehensive. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my garagekeepers coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.