Key exposures
Collision and paint shops keep customers’ vehicles on site for extended repairs, raising the garagekeepers exposure. Paint booths, solvents, and welding add fire and property risk, and pollution questions can arise. Coverage is governed solely by the terms of the issued policy.
Coverage that matters most
Garagekeepers (larger limits for cars held longer), garage liability, tools and equipment, and workers’ comp for a physical workforce. Cyber/EPLI available by endorsement subject to appetite.