There are many parts of a Garage Insurance Program. For example, Garagekeepers’ coverage provides financial protection for loss or damage to a customers’ vehicle while it is in your possession. You may ask: Why do I need this type of coverage? You should have this because if you or an employee damages a customer’s car while it in your possession a general liability insurance policy will not pay for this mishap.
Let me give you an example that happened to my family. Our Mitsubishi Montero Sport SUV was in for an oil change and routine service. The SUV was not put on the lift correctly, slipped off, and ended up on its side wedged between the lift and ground. This caused four or five thousand dollars in damage to our vehicle. If the auto service station had not purchased Garagekeepers Liability Insurance they would have been liable to pay thousands of dollars! Thankfully, they had purchased the coverage and only had to pay the deductible they initially chose.
Businesses that should purchase garagekeepers’ insurance are: auto service stations, restaurants with valet parking, car washes, auto body shops, and any other company that takes possession of a client’s vehicle.
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