Garagekeepers Insurance
Color Glo franchisees who work on customer vehicles — restoring leather seats, door panels, dashboards, convertible tops, carpets, or interiors — take temporary custody of customer property that general liability typically does not fully cover. Garagekeepers coverage is built for this exposure.
Why Color Glo International Franchisees Need This
Built for Color Glo Franchise Operations
Why GL Alone May Not Be Enough
General liability covers third-party property damage in many contexts, but property in the franchisee's care, custody, or control is frequently excluded. When a customer vehicle is in a technician's custody for interior restoration, the franchisee has taken responsibility for that vehicle. Garagekeepers coverage is designed specifically for this exposure.
Auto Dealership Requirements
Dealerships that contract with Color Glo franchisees for on-site interior restoration work often require Garagekeepers coverage by name. Without it, a franchisee may be unable to access dealership accounts at all.
Customer Vehicle Custody
Any time a customer leaves a vehicle with a franchisee — even briefly — the franchisee assumes responsibility for it. Damage during the restoration job or while the vehicle is stored is a Garagekeepers exposure.
High-Value Vehicle Work
Color Glo automotive restoration may be performed on luxury, collector, or high-value vehicles. Damage claims on those vehicles can be significant. Garagekeepers coverage should reflect the value of the vehicles being worked on.
Common Exposure Scenarios
When Coverage Matters Most
Vehicle Damaged During Interior Restoration
A technician damages a dashboard or door panel while performing a repair. The customer claims the vehicle was in better condition when dropped off. Garagekeepers coverage responds to the claim.
Vehicle Damaged While Stored
A customer leaves a vehicle with a franchisee and the vehicle is damaged before it is returned. Garagekeepers addresses claims arising from damage while in the franchisee's custody.
Dealership Requires Garagekeepers Certificate
A dealership refuses to allow on-site restoration work without Garagekeepers evidence of insurance. Having this coverage in place opens and sustains the dealership relationship.
Technician Moves a Customer Vehicle
A technician repositions a customer vehicle during a restoration job and causes minor damage. Garagekeepers coverage addresses the damage claim.
What to Look For
Reviewing Your Policy
- Garagekeepers is not required by every Color Glo operator — it is most relevant for franchisees performing automotive restoration or taking custody of customer vehicles
- Confirm whether coverage applies on a legal liability or direct primary basis
- Limits should reflect the value of customer vehicles regularly in custody or being worked on
- Coordination with general liability — understand the care/custody/control exclusion and where Garagekeepers picks up
- Certificate issuance for dealerships and commercial automotive clients
- Disclosure of the types of automotive operations and customer vehicle handling to the carrier
Review Your Coverage
The Southern Agency helps Color Glo franchise owners align policy limits, deductibles, and exclusions with the real-world risks of mobile restoration operations.
Request a Coverage ReviewThis page provides a general overview of garagekeepers insurance and does not guarantee coverage. Coverage is subject to policy terms, conditions, and exclusions. Purchasing insurance through The Southern Agency does not automatically satisfy all franchise agreement requirements without individual review.
