Garage Keepers Liability
Definition. Garage Keepers Liability covers customer vehicles in your custody on your lot — theft, vandalism, weather damage, accidental damage.
Also known as: GKL, Garage Keepers
Critical for tow operators, repair shops, auto-body shops, and valet operations. Three coverage flavors: Legal Liability (covers only if at fault), Direct Primary (covers regardless of fault — best), Direct Excess (above customer's own policy).
Example
Overnight break-in at your impound lot; 14 cars have catalytic converters cut off. Direct Primary Garage Keepers pays $26,000 in repairs.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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