Insurance for Auto Services and Dealers Business.
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What type of job do you engage in?
We collaborate with reputable insurance companies that have an A-rating.
This includes auto dealers, parking garages, and service stations that provide insurance liability protection against lawsuits for those who sell and store vehicles.
What’s the difference between garage keepers insurance and garage insurance?
Vehicles that are often purchased are frequently maintained or repaired, although both businesses often purchase them, the insurance for garage liability is not the same as insurance for garage keepers, even though they are purchased often.
Garage liability insurance, also known as storage location insurance, provides protection for a customer’s vehicle while it is being test-driven or moved. This insurance covers damage caused by theft, accidental damage, vandalism, fire, or any other event while the vehicle is under your control, custody, or care.
If a mechanic accidentally scrapes a cinderblock while moving a customer’s car for an oil change, the garage keepers policy would cover the damage to the car’s bumper.
What does garage liability insurance exclude?
What coverage can garage liability insurance provide for automotive businesses?
Garage liability insurance provides coverage for various risks related to the operations of automotive businesses, which include:
Customer injuries
If a customer or visitor is injured at your garage or auto shop, their medical costs would be covered by garage insurance.
Customer property damage
The vehicles of customers are not included. Nevertheless, this guideline would encompass the expense of fixing or substituting if an object owned by a patron or guest is harmed by a mishap on your property.
Legal costs
If a customer files a lawsuit against your business due to an accident resulting in injury or property damage, this policy will cover your legal defense expenses. Additionally, it also provides coverage for settlements and court-mandated judgments.
Faulty repairs
Products-completed operations coverage is typically included in the majority of garage policies and serves to assist in covering expenses incurred if a customer sustains injuries or experiences other forms of damage as a result of a defective part, faulty repair, or any other liability claim that is associated with the services or parts that you have provided.
What types of businesses need garage liability?
Any business operating in a location accessible to the public and engaged in the maintenance, repair, sale, or storage of vehicles must possess garage liability insurance.
Garage liability insurance covers common garage business risks
Garage liability insurance is a form of general liability insurance designed for businesses operating in garages and providing auto services.
Similar to a garage, a dangerous work environment usually does not encompass these dangers. Nonetheless, a regular comprehensive liability insurance offers monetary security against typical business hazards, such as injuries to customers and damage to customer property.
Garage liability insurance, also known as garage insurance, extends protection to operations associated with a garage, such as a customer slipping in a motor oil leaked at a repair shop, medical bills for injuries, and replacement or repair bills for damaged vehicles, more so than other forms of insurance related to property damage.
How much does garage liability insurance cost?
Your garage liability expenses are determined by various factors, which include:.
How do I get garage liability insurance?
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