Garage Keepers Coverage for Shops and Storage Yards
Protection for client vehicles in your care, custody and control, written alongside garage liability.
Garage Keepers insurance for trucking fleets in 50 states
For repair shops and storage yards — covers damage to customer vehicles in your custody, control, or care.
Prestige Trucking Insurance places garage keepers coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Your property policy does not cover a client's truck
Commercial property covers your building and your equipment. The moment a client's tractor is parked in your yard or lifted in your bay, that unit is a bailment exposure and your standard forms step back.
Garage keepers responds to damage to those non-owned vehicles from fire, theft, vandalism and collision while they are in your custody. The form you choose decides whether you have to be at fault before it pays.
Count the trucks on your busiest night
Garage keepers limits are set per location, and a single hail or fire event can involve every unit on the lot. Setting the limit against an average night instead of a peak night is the most common underinsurance in this class.
855-643-3881Choosing the right garage keepers form
Direct primary
Pays for damage to the client vehicle regardless of fault, the strongest client experience.
Legal liability
Pays only when you are legally liable, which is cheaper and leaves more disputes open.
Limit per location
Set to the peak value of vehicles on the lot at one time, not the average day.
Garage liability pairing
Operations and premises liability written together so a slip and a bay accident both land somewhere.
Direct primary versus legal liability
| Scenario | Direct primary | Legal liability |
|---|---|---|
| Hail damages trucks in your lot | Covered | Often not covered without negligence |
| Technician wrecks a client tractor | Covered | Covered, you were at fault |
| Premium | Higher | Lower |
Questions motor carriers ask
What does garage keepers insurance cover?
Damage to vehicles owned by clients while they are in your care, custody or control, from perils such as fire, theft, vandalism and collision, subject to the form selected.
Is garage liability the same as garage keepers?
No. Garage liability covers injury and damage arising from your operations and premises. Garage keepers covers the client vehicles themselves.
Who needs garage keepers coverage?
Truck repair shops, tire and trailer services, mobile mechanics with storage, detailing operations and secured parking yards. Call 855-643-3881 for a limit review.
Quote My Shop Coverage
Tell us your peak vehicle count and lot security and we will structure the limit.
Fleets of three or more power units across the 50 states we are licensed in.
Garage Keepers coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending garage keepers limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs garage keepers coverage?
Garage Keepers coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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