Enquire Business Insurance
Goods Held in Trust
Protecting Property Entrusted to Your Business
Protection for eligible property belonging to others while it is in your care, custody, or control.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
It covers loss of or damage to property that belongs to your customers while it is in your care, custody, or control — for example a customer's car in your garage or goods stored in your warehouse.
Why it matters
Why Is It Important?
When someone entrusts their property to your business, an unexpected loss or damage can create both financial and reputational consequences. The right insurance helps protect your business against covered losses involving property in your care.
Customers trust you with their property
A garage holds a customer's vehicle, a cleaner has a customer's belongings, a warehouse stores another business's goods. While that property is with you, you are responsible for it.
Who may need this cover
Garages and vehicle repair businesses, cleaning companies, warehouses, storage facilities, and other businesses that handle customers' property.
Who it's for
Who this cover is for
- Garages and mechanics
- Dry cleaners and launderers
- Warehouses and storers
- Hotels and car parks
- Repair and service businesses
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Custody Cover
Covers loss or damage to clients' goods while in your premises.
02
Care & Control
Covers property in your care even where no formal trust relationship exists.
03
Liability for Bailees
Covers your legal liability for loss or damage to bailed goods.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
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Fire & perils
Customers' goods damaged by fire, lightning, and other insured perils on your premises.
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Theft & burglary
Customers' property stolen while in your custody.
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Accidental damage
Damage to a customer's item while it is being worked on or handled.
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Bailee's liability
Your legal liability for loss or damage to the goods entrusted to you.
Key benefits
What you get with the cover
Client confidence
Show customers their property is protected while in your care.
Liability protection
Avoid paying out of pocket for damage to clients' goods.
Business continuity
Keep operating even after an incident affecting goods in your custody.
Getting covered
What you'll need
To take out cover
- Business registration documents
- Description of business activities
- Type of property held in your care
- Estimated maximum value of customers' property
- Business location
- Details of storage / care arrangements
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Bailment
A relationship where goods are delivered into the care of another party for a purpose.
Custody, Care & Control
The state of having responsibility for someone else's property.
FAQ
Frequently asked questions.
The essentials on goods held in trust — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsWhat is goods held in trust cover?
It protects property owned by others but in your custody, care, and control — such as a customer's car in your garage.
Who needs this cover?
Any business that holds customers' goods — garages, dry cleaners, warehouses, hotels, and repair shops.
Is it the same as my business property cover?
No. Your business property cover protects what you own; goods held in trust protects property that belongs to your clients.
Flexible cover
Matched to what you hold
Cover is set to the maximum value of customers' property you hold at any one time, and to how it is stored and handled. Protect the property entrusted to your business with Cush Insurance Agency.
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