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Garage Insurance by Legacy Insurance

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Garage Insurance provided by Legacy Insurance

If your business sells, services, stores, or parks automobiles, your General Liability Insurance coverage may not be enough to protect you from lawsuits. Car dealerships, body repair shops, and gas stations are specialty businesses with special insurance needs. By combining parts of a Commercial General Liability policy with parts of a Business Auto Policy, Garage Insurance guards against the unique risks associated with your automotive business including claims for injuries, mistakes, or property damage resulting from work you have done or unknowingly defective parts that you may have installed.

What is Garage Liability Insurance ?

Garage liability insurance is specialty insurance targeted to the automotive industry. Automobile dealerships, parking lots or parking garages operators, tow-truck operators, service stations, and customization and repair shops will add garage liability insurance to their business liability coverage. The policy protects property damage and bodily injury resulting from operations.

Why is Garage Liability Insurance important?

Garage liability coverage is another insurance type available to small businesses. It provides liability coverage for any accidents that may happen as a result of your day-to-day garage operations. These accidents may result in bodily injury, personal injury, or property damage.

A business owners’ policy (BOP) is an option small businesses have when looking into garage-related insurance. It is perfect for individuals who need more than the primary liability because the business owners’ policy (BOP) offers protection for incidents like identity theft coverage and loss of income.

Workers’ compensation insurance covers medical costs, rehabilitation expenses, and any lost wages an employee might experience after getting ill or injured on the job. It also provides financial support to the family of any garage employee who dies from a job-related injury or illness.

Who needs Garage Liability Insurance ?

After learning more about garage insurance, you may wonder if you need this policy. Having such a policy can be invaluable if you own any type of business that deals with automobiles. This does not just refer to businesses that repair or customize vehicles but also businesses like emissions testing sites and valet services. In short, garage liability insurance is for any business that sells, transports, or fixes vehicles.

In some instances, landlords who wish to protect their assets require garage liability insurance if a specific business activity results in a claim. Having the right liability policies can also provide you with peace of mind. Remember, garage insurance does not just cover standard vehicles like cars and trucks. It can also cover individual or fleets of motorcycles, trailers, and tractor-trailers. While garage liability insurance is not mandatory in most states, coverage could save your business from financial disaster.

Already have Garage Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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