Garage Keepers Legal Liability
Protect the Vehicles Your Clients Trust You With.
Program Underwriters provides Garage Keepers Legal Liability solutions for eligible auto repair shops, service stations, body shops, towing operations, valet parking, parking and storage facilities, mobile repair, and related eligible service operations.
Built for Garage Operations
Coverage That Follows the Real Exposure
Whether a customer vehicle is being repaired, stored, tested, parked, washed, or towed, PUI helps agents build coverage around the actual care, custody, and control exposure.
Garage Keepers Liability
Protection for damage to customers' vehicles while in the insured's care, custody, or control.
Direct Primary
Coverage options that respond to covered damage to customer vehicles regardless of legal liability, where eligible.
Legal Liability
Coverage for customer-vehicle damage when the insured is legally responsible for the loss.
On-Hook Towing
Protection for eligible towing operations while customer vehicles are being transported.
Non-Owned Auto
Coverage for qualifying vehicle testing and test-drive exposures after repair.
Property Coverage
Options for eligible business personal property, tools, equipment, and related garage exposures.
More Than One Coverage Trigger
Built for the Risks That Come With Customer Vehicles.
Eligible programs can address customer-vehicle exposures including collision, theft, vandalism, fire, weather-related losses, and other covered causes of loss based on the coverage selected.
Target Industries
Garage Risks We Want to See
PUI provides specialized Garage Keepers solutions for eligible automotive repair, service, towing, valet, parking, storage, and customer-vehicle operations.
Auto Repair Shops
Automotive repair and service operations with customer vehicles in their care, custody, or control.
Service Stations
Eligible automotive service stations performing repair, maintenance, and related services.
Body Shops
Eligible automotive body and collision repair operations.
Tire Dealers
Tire dealers and service operations. No retreading or recapping of tires.
Valet Parking Operations
Valet operations responsible for customer vehicles while parked or under the insured's control.
Car Washes with Interior Service
Car wash operations providing interior service with qualifying customer-vehicle exposures.
Towing Operations
Towing operations with On-Hook coverage for customer vehicles while being transported.
Parking & Storage Facilities
Eligible parking and storage facilities with responsibility for customer vehicles.
Mobile Service & Repair
Mobile automotive service and repair operations working on customer vehicles.
Frame Straightening Businesses
Eligible automotive frame-straightening operations.
Repair + Gasoline Sales
Businesses combining automotive repair with gasoline sales, mini-mart operations, or auto-accessory retail.
Program Snapshot
Flexible Garage Coverage Options
Multiple coverage structures and placement options help PUI address the different exposures found across eligible garage and service operations.
*Limits, coverage, and availability vary by class, operation, carrier, underwriting characteristics, and coverage requested.
Know Before You Submit
Some Garage Risks Aren't a Fit.
Knowing the operation upfront helps us move quickly and avoid wasted submissions. The following risks fall outside the program's target appetite.
Ineligible Risks
- Dealers — new or used
- Shops Maintaining Dealer Plates
- Repossession Operations
- Conversion Shops — body, frame, or handicap equipment
- Kit Car or Antique Restoration
- Recapped or Retreaded Tire Sales
- High-Performance / Racing Vehicle Repair
- Boat or Bus Repair
Why Program Underwriters?
Garage Underwriting Without the Runaround.
PUI combines specialized market access, in-house authority, and responsive underwriting to help independent agents move qualifying garage risks efficiently.
In-House Authority
Direct access to specialized markets and underwriting authority helps reduce unnecessary back-and-forth.
Garage Expertise
We understand the differences between repair, towing, valet, storage, and other care, custody, and control exposures.
Responsive Underwriting
Complete submissions help our team quickly determine appetite, available coverage, and the best path forward.
Have a Garage Risk?
Send It to PUI.
Let our underwriting team review the operation, coverage needs, and customer-vehicle exposure and help determine the right placement path.
submissions@programunderwriters.com | 800-432-8185