Did you know that automotive service centers and basically any business that has customers’ vehicles in their possession for  any period of time, are 100% responsible for those vehicles that are left with them? In essence, that means that customers may very well hold your business liable, from a financial standpoint, if the vehicle happens to suffer from any damage while in your care. The good news is that garage liability insurance protects you and your business against such risks. The bottom line is that garage liability insurance is a specific form of commercial liability insurance for automobile service centers and other related businesses.

It should be noted that garage liability insurance is a unique type of policy. That means it’s highly suggested that you only work with an independent insurance agent who specializes in garage liability insurance. Your local insurance agent will provide you with the best advice based on your insurance related budget. In essence, you need the most coverage for the best rate possible. Your local independent insurance agent will shop around the policy to all of the major insurance carriers in order to find the best deal for you and your business.

There are a wide variety of automotive related businesses that truly benefit from having a garage liability policy in place. For example, if you own a gas station that also offers mechanic service, you should have garage liability insurance. The same holds true if you own an auto body shop, install auto glass, install audio systems in vehicles, and or paint automobiles. In addition, if you own a business that specializes in oil changes, or own tow trucks then you need a garage liability insurance policy.

Service centers at new and used automobile dealerships and independent auto service centers should have coverage as well. Velvet companies and any business that employs valets, such as restaurants, should consider taking out a garage liability insurance policy. Even though valets do not perform any work on automobiles, your business will be held responsible if a valet in your employ damages a customer’s vehicle while driving it. So what does your garage liability insurance policy cover specifically? It covers accidental damage, collision damage, extreme weather damage, fire damage, vandalism damage, and theft.

If you own a business in the Commonwealth of Massachusetts where you are responsible or are in temporary possession of customers’ automobiles, then you need to ensure that you have the proper insurance coverage in place. We can help you get the best deal on all of your personal and or business insurance needs.  Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies.

If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business-related insurance needs now and in the future.