Garage keepers insurance

I’m getting quotes for insurances. The lady I used to deal with retired and I have a new agent. He is telling me that I don’t need Garage Keepers insurance because we don’t have actual “care and control” of the car. We are a SS and IBA only site.
I mentioned this to another local carwash owner land he said he had a door come down on a car and the garage keepers policy covered it.
Would this be covered by my umbrella policy?
I know is should be listening to the agent because he is the professional but he has stated some things that are contrary to what I’ve been told by others. I’d prefer to be over insured than find out I’m not covered for some stupid issue

I thought garage keepers were for washes where people may drive their customers cars- full serve, detailers, etc.

If you have a touchless auto wash then you are not required to have garage keepers insurance because you never take physical control of the car, or at least that is what I have always been told. If you had a friction IBA then you needed it.

soapy said:

If you have a touchless auto wash then you are not required to have garage keepers insurance because you never take physical control of the car, or at least that is what I have always been told. If you had a friction IBA then you needed it.

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See…that’s where I get confused. I could understand if it were a conveyor but I don’t understand the differentiation between IBA types.
This goes back to my friends statement that his garage keepers policy covered a door coming down on top of a car. He has a tunnel at that site so he needs garage keepers but the door was part of his touchless machine.

soapy said:

If you had a friction IBA then you needed it.

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Why would that be?

Like others said garage keepers is only for full service tunnels that do detailing and ones where an employee gets into the vehicle to put it onto the conveyor. Pretty much if someone gives you control of their vehicle then you need it (valet, auto repair, towing, etc.).

Anything attached to the building like a door is part your normal building insurance. Ive had a few incidents where a door + equipment got damaged due to a customer and I claimed it. Never had an issue.