Coverage for auto service that's actuallycleargarage-readyyoursfairclear
Repair shops, body shops, and detailers take customers' cars into their care, which is exactly where a standard policy stops. We place garagekeepers and the rest of the program.
What auto service shops carry.
The lines repair and body shops need, and the one most miss.
| Coverage | What it covers | Good to know |
|---|---|---|
| Garagekeepers | Damage to customers' vehicles in your care | The coverage standard GL leaves out |
| Garage liability | Operations and completed-work claims | Built for the service trade |
| Commercial property | The building, lifts, and equipment | Equipment breakdown matters for lifts |
| Workers' compensation | Injury to technicians | A frequent-claim trade. Class codes count |
| Commercial auto | Shop trucks and test drives | Dealer or service plates affect terms |
| Pollution / spill | Cleanup of fluids and chemicals | Often excluded without a specific add |
Garagekeepers, for cars in your care, is the line that defines this trade. We make sure it is right.
Cars in your care every day? Let us place garagekeepers and the rest, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Auto service coverage, answered.
The questions shop owners ask first.
It covers damage to customers' vehicles while they are in your care, custody, and control, fire, theft, vandalism, or collision on a test drive. Standard general liability excludes it, which is why this trade needs it specifically.
Often not without a pollution add. Shops handle oils, solvents, and refrigerants, and cleanup costs can be significant. We include the coverage where the exposure is real.
Under garagekeepers and the right auto terms, generally yes. We confirm the structure so a test-drive incident does not fall on you.
Most quotes are back within 48 business hours once we have your details. We reply to any question within 2 business hours.
Ready when you are