Garagekeepers Insurance
Garagekeepers insurance covers damage to customers' vehicles while they're in your care for wrapping, graphics, or PPF work — the single most important coverage for a wrap installer, because general liability excludes it.
Garagekeepers — The Heart of Wrap Shop Coverage
When a customer's $80,000 truck is in your bay being wrapped, it is in your care, custody, and control — and standard general liability won't pay if you damage it. Garagekeepers insurance is the coverage built precisely for that exposure. It pays for damage to a customer's vehicle that happens while the vehicle is in your possession for service.
For wrap and graphics installers, the everyday garagekeepers claims are very specific: paint lifted when removing an old wrap or vinyl, clear-coat or factory-paint damage, heat-gun burns, scratched or dented panels, and adhesive residue that requires professional correction. It also covers a customer's vehicle that's stolen, vandalized, or damaged by fire or weather while parked at your shop overnight.
Legal Liability vs. Direct Primary
Garagekeepers comes in two main forms. Legal liability form pays only when you're legally responsible for the damage. Direct primary (comprehensive) form pays for covered damage to the customer's vehicle regardless of fault — broader protection and often the better choice for a busy shop. Limits can be written per location with a per-vehicle sublimit, so we size both to the value of the vehicles you typically work on. A shop wrapping exotics and high-end fleet trucks needs very different limits than one doing small graphics.
What's Covered
Frequently Asked Questions
Because GL contains a care, custody & control exclusion. The customer's vehicle is in your control while you wrap it, so GL won't respond to damage you cause to it. Garagekeepers is the coverage specifically designed to fill that exclusion.
Enough to cover the most valuable vehicles you handle at once. If you wrap $100K trucks or store several customer vehicles overnight, your per-vehicle and per-location limits should reflect that. We set limits to your actual job mix and on-site exposure.