Garage Keepers Coverage for Oklahoma Shops
New to this coverage? Read our Oklahoma garage keepers insurance guide: legal liability vs direct primary, limits, key control, and covering the building.
The moment a customer hands you their keys, that vehicle is in your care, custody and control, and a standard liability policy excludes property in your care. Garage keepers insurance, sometimes spelled garagekeepers, pays for damage to customer vehicles while you have them: in the service bay, on the lot waiting for parts, or being moved by your staff. OKC Insurance Brokers writes it for repair shops, body and paint shops, tire and lube shops, detailers, glass installers and towing operations.
We proudly serve Yukon, Oklahoma City, Edmond, Mustang, Piedmont, and surrounding areas with personalized service and quick response times.
Legal Liability or Direct Primary
Garage keepers comes in two forms. Legal liability pays only when you are found responsible for the damage. Direct primary pays for damage to the customer's vehicle regardless of fault, up to your limit. In a state where hail is a routine annual event, most shops we write choose direct primary once they see the difference on paper. Tell us how many customer vehicles you hold at one time and the most valuable one you see, and we quote both.
Need the Building Covered Too?
Many shops own or lease the building they work out of. The form asks whether you need the building covered, and if you answer yes it asks for the square footage, year built, roof age, construction type and replacement cost so we can quote the property on the same submission. Tools, lifts, equipment and inventory can be added as business personal property.
Get Your Free Quote in Minutes
Our online quote request form makes the process easy. Provide a few details about your shop, and our experienced brokers will review your needs. We work with specialty garage carriers to find policies that offer the right protection at competitive rates.
Why Choose OKC Insurance Brokers?
As an independent agency, we're not tied to one insurance company. That gives us the freedom to compare multiple providers and find the best fit for your shop. We'll guide you through every step and help ensure you feel confident in your coverage.
Fill out the form today and take the first step toward peace of mind for your business.