Endorsements

Garagekeepers coverage in admitted P&C products

Coverage intent

Garagekeepers coverage addresses physical damage to autos owned by customers while in the care, custody, or control of a garage, dealer, repair shop, valet, or similar auto business.

Coverage impact

Garagekeepers wording matters for auto service and dealer risks because coverage can vary by legal liability, direct primary, direct excess, deductible, and limit structure.

Where this language appears

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Sample form language

A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.

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Garagekeepers Liability Extension Endorsement

Form #: GL 00 0600 08 26

Clear Blue Insurance Company

Garagekeepers Liability

VT | Jun 26, 2026

This endorsement extends liability coverage for autos in the insured care, custody, or control for repair, service, parking, safekeeping, storage, or airport-premises use.

Autos in care, custody, or control

Coverage A, Exclusion 10 d) is deleted only with respect to the following:

"Property Damage" to an "Auto" occurring while such "Auto" is in the care, custody, or control of the Insured for repair, service, parking, safekeeping, storage, or while on airport premises for any other incidental use by the Insured.

For the purpose of this Endorsement alone, "Property Damage" is deemed to include theft of an "Auto".

THE AMOUNT WE WILL PAY FOR DAMAGES IS LIMITED TO:
[$Limit] any one "Auto"
[$Limit] any one "Loss"
Subject to a deductible of [$Limit] each "Auto"

COVERAGE PROVIDED BY THIS ENDORSEMENT DOES NOT APPLY TO:
1. This Insured's liability under any agreement to be responsible for "Loss";
2. "Loss" to robes, wearing apparel, personal effects, or merchandise;
3. "Loss" or damage to "Auto" or parts of any "Auto" owned by, leased to, rented to, or loaned to the Insured, subject to stated exceptions.

Selected excerpt from this form.

Notable language points

  1. 01Covers auto property damage while the auto is in the insured care, custody, or control.
  2. 02Treats theft of an auto as property damage for the endorsement.
  3. 03Uses per-auto, per-loss, and deductible placeholders, showing how limits are scheduled.

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