If you run an auto repair shop, body shop, or any business that takes in customer vehicles, protecting those vehicles is just as important as the services you provide. Accidents, theft, weather events—these can all cause major financial loss if something happens to a customer’s vehicle while it’s in your possession.

That’s why Garagekeepers ALS (Actual Loss Sustained) coverage is a critical part of your insurance plan. It ensures that if a covered event damages a vehicle left in your care, your business isn’t left footing the bill.

What is Garagekeepers ALS?

Garagekeepers ALS provides coverage for damage to customers’ vehicles while they are in your care, such as during repairs, maintenance, or storage. The "ALS" designation- Actual Loss Sustained- means the Limit of Insurance will be the actual loss sustained for damages to all customer's autos without a fixed dollar limit per location. 

Whether a vehicle is parked in your lot overnight or being worked on in the shop, Garagekeepers ALS protects your customers' property and helps preserve your business’s reputation in the process.

Why Your Business Needs Garagekeepers ALS

Customer trust is everything in the auto care industry. If something happens to their vehicle while it's with you, they expect you to make it right. Without Garagekeepers ALS, you may be left covering the damage out of pocket—which can be devastating for small or mid-sized businesses.

Here are a few examples where Garagekeepers ALS could save your business:

• A fire breaks out in your garage and damages several customer vehicles.
• A hailstorm hits, denting customer's vehicles you have parked outside your auto repair shop while waiting for service work.
• Thieves break into your fenced area and steal or vandalize customer cars.
• A customer's vehicle is accidentally damaged by staff while being moved.

These situations are unpredictable, and without Garagekeepers ALS, your liability coverage won’t respond—because that policy typically excludes customer property in your possession.

How Pekin Insurance Has You Covered

Pekin Insurance includes Garagekeepers ALS as part of its tailored Autocare Services Businessowners Policy (BOP). This all-in-one policy is designed to meet the real-world needs of repair shops, garages, and service centers.

Pekin Insurance’s Autocare Services BOP doesn’t stop at Garagekeepers ALS. It also includes:

• Mechanic’s Errors & Omissions – To provide extra liability protection for a defective product sold by you or completed work you performed in the course of your garage operations, after the vehicle has been returned to your customer.  
• Employee Tools Coverage – Provides protection for portable tools owned by your employees that they rely on while used in your garage operations.  
• Property & Liability Coverage – For your building, equipment, and operations.
• Business Income Protection – Keeps you going if a covered event forces a temporary closure.

It’s protection where you need it most—without the complexity of managing multiple policies.

Click here to learn more about Pekin Insurance’s Autocare Businessowners Policy and how it can support your shop.

Disclaimer: This blog is for informational purposes only and does not constitute coverage. Coverage availability and terms may vary by policy and location. For specific details about your coverage, please contact your independent insurance agent.