Garage Keepers

Garage Keepers

Garage Keepers Liability Insurance in San Antonio, Texas

Proudly serving San Antonio auto businesses since 1978.

If you work on, store, or move customer vehicles, you’re taking on a level of risk most businesses never deal with. One accident, one fire, one theft—and suddenly you’re responsible for someone else’s vehicle.

At David Ison Insurance, we’ve been helping auto repair shops, body shops, and service businesses across San Antonio protect themselves for over four decades. From small independent mechanics to larger operations—we understand exactly what’s on the line.

Whether you run a repair shop, dealership service center, detailing business, or tow operation, we’ll build a policy that fits your business, your risk, and your budget.

Call 210.490.1494 for a fast, no-hassle quote.

What Is Garage Keepers Liability Insurance?

Garage keepers liability insurance protects your business when a customer’s vehicle is damaged while in your care, custody, or control.

Here’s what that looks like in real life:

  • A vehicle is damaged while parked overnight at your shop
  • A fire in your building damages multiple customer vehicles
  • An employee accidentally crashes a customer car during a test drive
  • A vehicle is stolen from your lot
  • Hail damages vehicles stored outside

Without this coverage, you’re financially responsible for those losses.

Most garage operations in San Antonio combine:

  • Garage Keepers Liability
  • Garage Liability (General Liability for auto businesses)
  • Commercial Property Insurance
  • Workers’ Compensation
  • Dealers Open Lot (for dealerships)

We build the right combination so you’re not exposed where it matters most.

Why Garage Keepers Coverage Matters in San Antonio

San Antonio weather, traffic, and growth all create real exposure for auto businesses.

Here’s what you’re up against:

  • Hail storms (common in South Texas)
  • Theft and vandalism
  • Fire risks in repair environments
  • Employee accidents
  • High-value vehicles left overnight

A single claim can be expensive:

  • Vehicle damage: $5,000–$80,000+
  • Total loss (luxury vehicle): $50,000–$100,000+
  • Multiple vehicle loss (fire/hail): six figures

And here’s the key: