Free Calculator · Towing, Recovery & Impound
Every vehicle in your care sits under one garagekeepers limit. Hail, fire, and flood don't pick a single car. Enter three numbers and see your self-insured gap on the worst day.
Use your lot at peak — the Monday after a holiday weekend, not the quiet Tuesday.
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Enter your first name and email and your results appear right here — plus we'll email you a copy with the impound-lot section of our Tow Operator Submission Kit.
We'll also send a short series on the coverage traps that catch tow operators. Unsubscribe anytime. Educational only — does not amend coverage; refer to the policy and applicable law.
Your impound lot exposure
Illustrative estimate only — not a quote, not advice, and not a representation of coverage. Actual coverage is governed by the policy as issued.
Garagekeepers coverage protects customers' vehicles in your care, custody, and control — on the lot, in the bay, behind the fence. It pays per occurrence, and a weather event is one occurrence for the whole lot.
Two things decide the outcome: the limit, and the basis. Legal liability garagekeepers pays only when you are negligent — hail is nobody's negligence, so a legal-liability form can pay nothing on the worst day of your business's life. Direct primary pays regardless of fault. If you hold municipal rotation contracts, check what basis they require — many specify it.
Related: Towing & recovery insurance guide · On-Hook Gap Calculator · Tow Operator Submission Kit