Legal liability for damage to customer vehicles in your custody, custody, and control (CCC) — terminals, yards, repair facilities, auto-haul staging.
Damage to non-owned vehicles in your CCC — typically at your terminal, yard, or repair facility. Coverage can be 'legal liability only' (you pay only when legally responsible — fire, vandalism, theft, collision caused by your operations) or 'direct primary' (broader, pays regardless of legal responsibility). For trucking, common contexts: auto-haul carriers staging customer vehicles at terminals, fleets with on-site repair operations that hold customer equipment, intermodal carriers with on-yard customer chassis.
These are public-facing baselines for typical risk profiles. The intake re-derives line-specific limits based on your actual operation, contract obligations, and loss profile.
From the panel that ranks top-3 per line for your risk profile. Each carrier clears the A.M. Best A- floor; final selection is made in the piece-out matrix at quote time.
Garagekeepers is the same as Garage Liability.
Different lines. Garagekeepers = damage to vehicles in your CCC. Garage Liability = third-party BI/PD from your operations + completed-operations from repair work. Some package policies bundle both; many split them.
GKLL covers cargo inside customer vehicles.
It covers the vehicle. Cargo inside (if any) is typically excluded or sub-limited; cargo coverage on customer vehicles is unusual and contract-specific.
Legal-liability and direct-primary are basically equivalent.
Legal-liability only pays when you're legally responsible. Direct-primary pays regardless. Direct-primary is broader (and pricier); choose based on contractual obligations to vehicle owners.
If customer vehicles are stored on it, yes. Fencing reduces theft risk (and premium) but doesn't eliminate the legal liability exposure.
Per-vehicle limit caps payout on any single damaged vehicle ($25K-$100K typical). Aggregate limit caps total payout per location per term. Both matter for high-turnover staging yards.
Yes when caused by your operations. If damage occurs during the customer's own loading, exclusions may apply.
Yes — endorsements typically bind same-day with short-rate pro-rata premium.
Most large auto-haul shippers (manufacturers, fleet leasing companies) contractually require GKLL with named-additional-insured endorsements at terminals.
One intake. Per-line submissions to your top 3 carriers. A coordinated binder.