Premises & Garage Liability Insurance
Premises and garage liability covers injuries and property damage across your facility's grounds — paddock, pit lane, garages, and parking — including exposure for customers' vehicles and equipment in your care.
Premises & Garage Liability for Track Facilities
A track is more than its racing surface. The paddock, garages, pit lane, tech sheds, parking, and grounds all see constant foot and vehicle traffic. Premises liability covers injuries and damage that happen across that property, and garage liability extends to operations where you store, move, or service customers' motorcycles and vehicles.
What It Covers
- Premises injury: Slips, trips, and falls across the paddock, garages, and grounds
- Garage operations: Liability arising from storing, moving, or servicing customer vehicles
- Garagekeepers exposure: Damage to customers' bikes and equipment in your care, custody, or control
- Parking and access areas: Injuries and incidents in lots and entries
Why Garagekeepers Matters at a Track
If your operation parks, stages, stores, or works on customers' motorcycles, those bikes are in your care — and damage to them is a garagekeepers exposure that ordinary premises coverage may not address. Tracks with storage, valet staging, or on-site service should carry it.
Part of a Complete Program
Premises and garage liability work alongside your general liability, property, and event coverage to make sure no part of the physical operation is left exposed. We map your facility's footprint to the right combination of coverages.
What's Covered
Frequently Asked Questions
Garagekeepers covers damage to customers' vehicles in your care, custody, or control. If your track parks, stages, stores, or services customers' motorcycles, those bikes are your responsibility and premises coverage alone may not protect them — garagekeepers does.
Premises liability is part of a properly structured GL program, but garage and garagekeepers exposures often are not. We make sure the full footprint of your facility — including customer-vehicle exposure — is covered.