It’s strongly recommended that you cover your aircraft with your own policy. Some Maintenance facility’s may carry hangar keeper’s liability (which is designed to protect the maintenance organisation in the event of damage to an aircraft whilst under the care, custody or control of the maintenance facility due to their negligence).
In some circumstances, the maintenance organisation may have purchased insufficient or deficient coverage and this may impact the protection of your asset.
Additionally, even if the maintenance organisation enjoys adequate cover its hangar keeper insurance policy may not pay out for certain types of losses, for example, those resulting from storm, vandalism, or mechanical failure. If the maintenance organisation is not legally liable for the loss, it’s unlikely the insurance company will be required to compensate you or the maintenance organisation.