Surprise! Your customer’s car isn’t covered under your Liability policy, even a Garage Liability policy.The vehicles you work on are worth multiple thousands of dollars. If there was a fire in your garage, you could be held responsible for loss to your client’s property. Business owners who operate towing companies, garages and auto repair shops not only transport or fix their customers’ vehicles, but also are entrusted with keeping the property safe while it is in their control. Most policies, even garage liability policies, do not cover these losses.
A Garage Keepers Liability policy protects you if a customer’s vehicle is damaged while it is at your business. While basic garage liability coverage pays for injury or property damage caused by an accident from the business operations, it does not protect your customers’ property. Garage Keepers insurance policies are designed to help you protect your customers’ property and your business in the event of fire, theft, extreme weather, or vandalism at your business. Garage Liability and Garage Keepers Liability are designed to complement each other and ensure that you don’t have any gaps in coverage. Additional coverage can be added to include coverage for the contents of your customers’ vehicles, such as the items in their glove box or trunk and any non-factory stereo equipment.
While this may seem complicated, the experienced professionals at Cobb-Hall Insurance can provide solutions designed specifically for your needs.