What Is Garage Insurance?
Garage insurance provides legal liability coverage for damage to customer's automobiles while they are in your care, custody and control. In addition garage liability insurance provides coverage to bodily injury or property damage arising out of the ownership, use or operation by or on behalf of any insured of...any automobile.
Who Needs Garage Insurance?
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Garage Policy Coverages 101
Section A - Third Party Liability to:
- Owned automobiles eg. tow truck
- Non-owned automobiles eg. customers and others
Section B -Accident Benefits to:
- pedestrians, spouse, dependants, employee or partner, any other person while an occupant of an owned or non-owned automobile
Section C - Loss or Damage to Owned Automobiles to:
- Owned automobiles eg. tow truck
Section D - Uninsured Motorist Coverage
Section E - Legal Liability for Damage to A Customer's Automobiles while in the Care, Custody or Control of the Insured
- when a customer leaves their vehicle at your shop, you assume the role as a bailee. A bailee is required to exercise ordinary care over the goods entrusted. Therefore the bailee is generally liable for any damage that occurs to a customer's vehicle.
- Potential Damage to Customers Automobile Claims Examples:
- parked on the lot waiting for service
- located in the garage awaiting service
- during servicing
- being driven on or away form the dealership
- during hook up for towing or while being towed
Garage Insurance Quote
Call our licensed insurance brokers today to receive your free garage liability insurance quote. It is a simple process which could help you save money even if you are seasoned garage owner with years of experience or if you are opening up your very first garage. 519-941-2266 or 1-877-941-2266.