Garage Insurance that protects your shop and your customers' vehicles.

Not sure if your shop is covered for customer vehicles?

Running a garage or auto shop means taking responsibility for vehicles that aren't yours. Many owners worry about what happens if a customer's car is damaged, stolen, or involved in an incident while in their care. GFH Insurance Agency helps shop owners across Richmond and Central Virginia understand how garage coverage works, including the differences between garage liability and garage keepers coverage.

Common coverage types for Garage and Auto Shops.

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Garage Liability Insurance

Core protection for third-party claims related to your operations.

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Garage Keepers Coverage

Protection for customer vehicles in your care.

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Commercial Auto Insurance

Covers vehicles owned or used by your business.

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Workers Compensation Insurance

Required in many cases when you have employees, helping cover workplace injuries.

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Dealer Insurance

Coverage designed for dealerships, including inventory and liability protection.

Understanding Garage Liability vs. Garage Keepers

Garage Liability Insurance
Covers bodily injury or property damage caused to others during your operations, such as accidents on your premises or during test drives.

Garage Keepers Coverage
Protects customer vehicles while they are in your care, custody, or control, such as during repairs, storage, or service.

In Virginia, garage keepers coverage may also be referred to as storage location insurance, which can add confusion when reviewing policies. Understanding this terminology helps ensure you're selecting the correct coverage for your shop.

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Your questions, answered clearly.

  • What is garage keepers insurance?

    Garage keepers coverage protects customer vehicles while they are in your care, custody, or control, such as during repairs or storage.

  • Do I need garage liability or garage keepers in Virginia?

    Most shops need both. Garage liability covers your operations, while garage keepers protects customer vehicles.

  • How fast can I get certificates for a dealer license?

    Certificates of insurance can typically be issued quickly once your policy is active, helping you meet licensing or vendor requirements.

  • What types of businesses need garage insurance?

    Auto repair shops, body shops, dealerships, and towing operations often need garage-related coverage.

Get Coverage That Keeps Your Shop Running

Garage insurance helps protect your business, your customers' vehicles, and your ability to operate without disruption. GFH Insurance Agency provides clear guidance, flexible options, and local support for garage and auto shop owners across Central Virginia.