If your business involves collecting or servicing other people’s vehicles, you will need a comprehensive garage keepers insurance policy. Ideal for towing companies, service garages, and body shops, protecting yourself against liability claims is of upmost importance. We can help you find coverages for garage keepers insurance in Tennessee that you didn’t even know were available! Questions – legal liability vs direct primary? Garagekeepers legal liability vs direct primary?
As a business in the auto industry, you understand the importance of making your customers feel safe and appreciated. Having the proper coverage when handling their vehicles ensures their trust and your dependability in the auto repair shop. Businesses who are engaged in selling, servicing, storing or parking autos, should consider garage liability coverage and garagekeepers coverage.
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Your Policy, Expanded
A garage liability policy will cover your vehicles, tow trucks, repair autos, and the use of customers’ vehicles, but not the customer’s vehicle itself.
Coverages include:
- Bodily injury and property damage to others
- Collision
- Fire, theft and vandalism
- Storm damage
A garagekeepers policy can be set up in three ways:
- Legal Liability: covers damage to your customers’ vehicles when you are negligent or would be judged negligent
- Direct Primary: even if fault does not fall on you as a business owner, your insurance will pay for any damage done to the customer’s car while in your care
- Direct Excess: pays up to the value of the damaged vehicle above the owner’s coverage
Limits, Deductibles, and Other Details
You must select limits for garagekeepers legal liability coverage, which will determine the maximum amount of coverage available to you on a per-occurrence basis. Questions – legal liability vs direct primary?
Whether one car or a garage full of cars is damaged while in your care, the total amount covered by garagekeepers insurance is based on the limits you choose.
You also must select a per-vehicle deductible. Garagekeepers legal liability vs direct primary.
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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!
