A Coverage Guide to Cars and Car Lovers
What is Garage Liability Insurance?
There’s always been the dynamic duo of Batman and Robin. Wait, superheros? What does that have to do with the subject? Well, Garage liability is like the trusty sidekick for auto business owners!
Garage Liability steps in when life throws you a curveball, covering you if you’re held responsible for accidents that might happen in your garage operations. If a customer takes an unexpected tumble or someone’s property, the liability falls to the owner, who takes an unfortunate hit.
Picture this: you’re moving a vehicle around your lot and accidentally brush against another car – that’s where garage liability comes in, covering the damage to the other vehicle (not the one you’re driving).
What is Garagekeepers Liability Coverage?
Let’s talk about it! It can be your guardian angel when it comes to vehicles in your care. This one swoops in to cover the damages of vehicles you’re servicing, but don’t actually own – like your customers’ cars.
Imagine a scenario where a customer drops off their car for some TLC, and during the process, a little accident happens.
Say, a mechanic unintentionally nudges a bollard and leaves a dent – garagekeepers liability has your back, covering the repairs to the car caused by that “oopsie”.
The Difference between the two:
So, what sets these two apart? Garage liability shields you from liability for covered accidents during your business operations.
On the other hand,
Garagekeepers liability insurance takes care of the financial side when it’s your customer’s vehicle that’s seen better days.
Which One Do I Need?
Depends on a few factors.
Are you starting out in the auto service world? Your go-to is garage liability insurance. It’s the basic coverage most auto service providers need, acting as a safety net for common hiccups that happen in the course of business. Think of it as a must-have when you’re “in the repair game”.
Now, let’s say you’re expanding, aiming for bigger and better things. That’s where garagekeepers liability comes in. It’s like a superhero cape for your shop, giving you that extra layer of protection for your customers’ vehicles! (We’ve really been inspired by Marvel movies lately) Whether you’re working on them or storing them, this coverage steps up and gives your level of car care an extra layer of protection.
At Harris Insurance, we’re all about driving your business forward while keeping it safe and secure. Whether you’re running an auto repair shop, an oil change station, or any auto-related business in between, which are extremely necessary within our car-driving culture, we’ve got your back with the right coverage for the road ahead.
Just like a well-tuned engine, we’re here to make sure your business runs smoothly no matter what twists and turns come your way. Drive on with confidence!
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
