Business Garage Insurance

If you run a repair shop, auto-body or auto-glass business, garage liability insurance will come in handy if you want to protect:

• Your customer's vehicle from theft.
• Your customer's vehicle from replacements.
• Your customers from bodily injury.
• Yourself and your business against financial risk.

• Garage Liability – Including bodily injury and property damage to other parties.
  
• Garage keepers – Physical damage to customers autos stored on your premises.
  
• Business Auto – Physical damage to your owned autos.
  
• Employee Dishonesty – For theft and vandalism by your employees.
  
• Property – Not only for the building if you own it, but the contents inside and tools"

Garage liability is specifically designed for automotive repair shops, dealerships, towing companies, and service stations. It includes General Liability which covers bodily injury and property damage for others.

For example, if a customer slips and falls on your premises that would be a General Liability claim. However, because you operate within the automotive industry there are some unique risks that require you to have Garage Liability.

Garage Liability insurance excludes coverage for faulty workmanship, and there is no enhancement endorsement that you can add to cover it.

Garage operations refer to a business that deals with the automotive industry and has a high-risk exposure to automobile liability. This can include anything from auto sales to auto repair to towing.

Garage Keepers Legal Liability will provide coverage for your customers’ vehicles that you keep stored in order to repair or parked for some time. This mostly applies to automotive repair shops and towing companies.

A Business Garage policy covers specific types of protections in addition to what your general liability policy covers. Each of these protections will have coverage of a given amount.

If your policy provides coverage of $1 million, then this will be the limit.

As the types of coverage needed for Business Garage insurance vary greatly, each will have a different amount. If you choose a policy that does not cover the full value, then you will be protected at a given limit.

Injury to employees

• A Garage Liability policy is not going to cover injury to employees (Workers Compensation) and damage to the garage itself (Commercial Property).

Policy covers an amount less than the total value of the financial losses

• If your policy covers an amount less than the total value of the financial losses associated with repairs, theft, or third party bodily injury the remaining amount will not be covered.

Client Property

• This coverage does not apply to client property such as client vehicles being repaired. In addition to this coverage, Garagekeepers Liability coverage should be added to cover client vehicles and damages caused by client vehicles.

What's the difference? It's best to explain with a scenario:

Bob runs an auto repair shop, where his customer, Janice, gets injured when her car falls off a lift during repair. In addition to Janice's injury, her car is also damaged. Without insurance, Bob, the business owner, would be liable for the damage to Janice's car and the injuries she sustained.

This is where Garage Keepers Liability comes in. It will protect you and your business if a car in your custody got damaged, stolen, or vandalised due to your negligence. It also covers damages caused by fire or collision.

Garage Liability Insurance, on the other hand, protects you and your business against third party injury as well as property damage that have occurred at your shop. The insurance will pay for medical expenses and cost of repairs up to the limit you chose.

Both Garage Keepers Liability and Garage Liability are necessary for auto repair shops, car detailing, valet parking, or a towing company as the former is your protection against liability for operations and vehicle, while the latter is your protection against damage to your customers' vehicles.