Texas Garage Keepers Liability Insurance Quotes
Do you have a service station, repair shop, or body shop? Do you work on customer vehicles? What is if someone broke into your shop and vandalized your customers’ cars? What would you do? You need a garage keepers liability insurance policy.
A basic garage keepers liability insurance policy is designed to cover bodily injury or property damage caused by an accident arising out of garage business operations. Garage keepers liability coverage is typically purchased by automobile dealerships and repair shops, among other businesses.
This insurance provides coverage for:
- Third-party injuries.
- Property damage caused by equipment owned by the business.
- Also includes coverage for liability claims such as discrimination and employee dishonesty.
- Products manufactured or sold by the shop that cause damage to a customer’s vehicle.
Should you have a customer slips and falls at your shop, this coverage will help pay for any legal defense if they decide to sue and help pay for any medical bills the customer had due to the injury. It will also help pay for damages if a vehicle owned by the business causes a collision with another automobile or structure, damaging a third party’s property.
A garage keepers liability insurance policy protects you if a customer’s vehicle is damaged while it is at your business. This coverage is not included in a standard garage keepers liability policy. It protects customers’ vehicles from damages while in your possession or control as a result of:
- Extreme weather
- Vandalism at your place of business.
It does not cover damage that occurs from faulty workmanship or parts or insufficient warranties. Basic garage keepers liability insurance excludes coverage for the contents of your customers’ vehicles, such as the items in their glove box or trunk and any non-factory stereo equipment. You can, however, add an endorsement to your garage keepers policy to extend coverage to personal property kept inside customers’ vehicles. This is not necessary to avoid any liability exposure, but it does encourage goodwill and will bolster your reputation in the event a client’s vehicle and its contents become damaged or destroyed.
Garage keepers liability insurance is usually sold with a garage liability policy, but it is still a separate contract. The contents of a customer’s vehicle are not covered under a garage keepers policy, which only covers vehicles, not personal property inside the vehicles. Garage owners can add endorsements for coverage of customers’ personal property that is in their care.
Alarm & Stereo Installation, Auto Detailing, Boat Engine Repair, Brake Shops, Equipment Repair, Full Service Car Wash, Golf Cart Repair, Heavy Truck Re-pair, Mobile Auto Repair, Motorcycle Repair, Muffler Service, Oil & Lube Shops, Paint & Body Shops, Roadside Assistance, Service Stations with Gas and Convenience Store, Smog or Inspection Stations, Spray-On Bedliners, Tire Dealers, Towing/Wrecker Services, Trailer Repair, Valet Parking, Wind-shield Repair or Replacement
Garage Keepers Liability
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