Kentucky Garagekeepers Insurance

And how to connect with a local agent

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Kentucky Garage Keepers Insurance

Kentucky has 351,260 small business owners. If you're one of them, the proper protection is necessary. Garagekeepers insurance is vital for any business in the auto industry. 

An independent insurance agent can show you which policies apply to your operation. They have several carrier options for affordable rates. Connect with a local expert to get started.

What Is Garagekeepers Insurance?

If you own a vehicle-related business in Kentucky, you may need garagekeepers insurance. This will provide coverage for any customer autos you have in your care, custody, and control. Any damage that needs to be repaired or replaced on these customer autos will fall under this policy.

How Much Is Garagekeepers Insurance?

The exact cost of your garagekeepers policy won't be known without an accurate quote. Like any business insurance policy, the price will be based on numerous rating factors. Check out how carriers determine your garagekeepers insurance premium below:

  • Your experience level as a business owner
  • The type of business you run
  • The amount of coverage you would need
  • The value of customer vehicles at any given time
  • Safety procedures in place for accessing customer vehicles
  • Your loss history
  • How long you've been insured

Your pricing will depend on these factors and outside elements. Things like local weather patterns and the number of losses in an area can affect your premiums as well. To get instant savings, consider bundling all your insurance policies with the same carrier. A discount of 30% or more is often awarded. 

What Does Garagekeepers Insurance Cover?

A Kentucky garagekeepers insurance policy will provide coverage for businesses that are in the auto industry. Mostly, these are companies that service vehicles in some way, shape, or form. Take a look at the types of businesses garagekeepers insurance would apply to:

  • Tow truck operators
  • Quick lube shops
  • Auto glass shops
  • Auto body shops
  • Auto repair shops
  • Valet services
  • Auto emissions sites
  • Auto detailing shops
  • Auto painting shops
  • Auto sound installers

The types of damage that garagekeepers insurance will apply to:


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What Doesn't Garagekeepers Insurance Cover?

Like any business insurance, exclusions apply. Garagekeepers insurance has specific coverage offerings. If you can't get a certain limit of protection under this policy, you may be able to on another. 

What your garagekeepers insurance won't cover:

  • Bodily injury
  • Property damage of a non-customer auto
  • Business property
  • Business equipment
  • Inadequate workmanship
  • Contents of your customer's vehicle
  • Warranties
  • Parts & labor

Garagekeepers Insurance Limits

In Kentucky, $4,661,744,000 in commercial insurance claims were paid in 2019. If you don't have adequate limits of protection, you could be financially responsible. Garagekeepers coverage is set up uniquely.

When you obtain garagekeepers insurance, you will preselect a maximum limit of coverage. This limit will reflect the number of customer autos you could have in your care, custody, or control at a given time. You'll need to picture the worst-case scenario and plan for every customer vehicle to be damaged at once. This is the amount you'll want to account for on your garagekeepers policy. 

How to Connect with a Kentucky Independent Agent

If you're searching for garagekeepers insurance in Kentucky, you might want some help. Coverage can be confusing if you're not a licensed professional. To ensure you are fully protected, consider using a trusted adviser. 

An independent insurance agent can access multiple carriers, giving you the best coverage for an affordable price. Since they do the shopping, you'll save time and money. Connect with a local expert on TrustedChoice in minutes. 

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