Under a garagekeepers policy, what type of coverage applies directly without regard to liability?

Under a garagekeepers policy, direct primary coverage applies without regard to liability, meaning that the policy provides coverage for the property of others (such as vehicles) in the care, custody, or control of the insured. This type of coverage is designed to protect the insured from loss or damage to vehicles while they are being stored or serviced, regardless of whether the insured is found liable for the damage.

In the context of garagekeepers insurance, the policy pays directly for the damages to the vehicles without needing to determine fault or liability. This is particularly important in the automotive service industry, where vehicles are frequently entrusted to garages and repair shops. The policy helps these businesses manage their risk exposure related to potential claims from vehicle owners without navigating liability issues.

Other coverage types listed may involve liability considerations or different approaches to compensation, but direct primary coverage specifically addresses the assurance of compensation for damage or loss occurring in the insured's facility, simplifying the process for all parties involved.