Garage & Garagekeepers Insurance
Garage and garagekeepers coverage handles the operations side of a trailer rental lot — premises liability, the work your staff do moving and hitching units, and your liability for customers' tow vehicles parked or handled on your premises.
Garage & Garagekeepers for Trailer Rental Lots
A trailer rental operation runs a lot where customers arrive, hitch up, and leave their own vehicles or trade vehicles in your care. Standard business policies handle this poorly. Garage liability covers your lot operations; garagekeepers covers your legal liability for customer vehicles in your care, custody, and control.
What's Covered
- Premises liability: A customer injured on your lot or struck while a unit is being moved
- Garagekeepers legal liability: Damage to a customer's truck while it sits on your lot or while your staff maneuver it
- Operations exposure: Claims arising from hitching, loading, and yard movement of units
- Care, custody & control: The gap standard GL excludes — damage to property you're temporarily responsible for
Why GL Alone Isn't Enough
General liability typically excludes property in your "care, custody, or control." If a customer leaves their pickup while testing a trailer and it's damaged on your lot, GL won't respond — garagekeepers will. Lots that handle customer vehicles need this layer.
Direct Primary vs. Legal Liability Forms
Garagekeepers can be written as legal liability (pays only when you're at fault) or direct primary (pays regardless of fault). We'll match the form to your lot's traffic and risk tolerance.
What's Covered
Frequently Asked Questions
Garage liability covers bodily injury and property damage from your lot operations. Garagekeepers specifically covers damage to customers' vehicles left in your care, custody, or control — an exposure standard GL excludes.
If a customer's vehicle ever sits on your lot — even briefly while they hitch up or you inspect a trade — you have care, custody, and control exposure. Garagekeepers is the only coverage that responds to damage to those vehicles.