Garage & Premises Liability
Garage and premises liability covers the physical location where you store, service, and rent your fleet — protecting against customer injuries on site and claims arising from your maintenance and repair work.
Garage & Premises Liability for Rental Operations
Your rental lot and shop are busy places: customers arrive for check-out, vehicles are fueled and staged, and your team services and repairs the fleet. Garage & premises liability protects against injuries that happen on your property and claims that arise from your service operations — exposures a basic policy may not fully address.
Premises Liability
- Slip-and-falls: A customer trips in the lot, the office, or the staging area
- On-site injuries: Someone hurt while gear is fitted or a machine is loaded
- Customer property: Damage to a customer's vehicle parked on your lot
Garage / Garagekeepers Exposure
If you service, repair, or maintain vehicles — your own fleet or customers' machines — garage liability addresses the unique risk of that work. Garagekeepers coverage can protect customers' vehicles left in your care for service or storage.
Why It Belongs in Your Program
Rental operations combine a retail premises, a repair shop, and a fuel/staging yard in one place. That blend creates exposures that fall through the cracks of an off-the-shelf policy. We build a program that covers the lot, the shop, and the work you do there — and coordinate it with your general liability so there are no gaps.
What's Covered
Frequently Asked Questions
GL is broad third-party coverage; garage & premises focuses on your physical location and service/repair operations — including garagekeepers exposure for vehicles in your care. They work together to close gaps.
If you service, repair, or store customers' machines, garagekeepers protects those vehicles while they're in your care, custody, and control. We assess your operation and add it where it's needed.