What is Garage Coverage?
Garage Liability is a specialized policy that provides coverage for businesses that deal with vehicles belonging to others. This includes garages, body shops, auto detailers, valet services, service stations, stereo installation shops and more. The basic policy provides coverage for bodily injury and property damage that is caused by an accident during the operations of the business. Exposures such as customers being hurt on your premises due to your negligence, or damages an owner or customer’s vehicle does during a collision to another auto or structure. Garage liability is normally based on either the number of people employed by the business or the annual gross receipts.
Customer’s vehicles also need to be covered while in your care. Garagekeepers coverage protects you if a customer’s vehicle is damaged while it is at your business, being test driven or moved in the course of your work. There are different types of garagekeepers coverage, from policies that are excess to your customer’s, to those that are primary or first to protect your customer’s vehicle.
Agents at Hunt & Associates, Inc. will help you determine which coverages are most important for your particular type of business, and your options will be discussed with you.