Who needs garage insurance?
- Automotive repair shops
- Automotive service technicians or mechanics
- Glass and windshield repair shops
- Car detailing operations
- Oil, lube, and filter change facilities
Do I need Garage Liability insurance?
Do you have care, custody, or control of any customer (third-party) vehicles? If so, it sounds like garage liability insurance is for you. It’s not only for garages, mechanics, or auto repair shops. Car detailers, auto glass installers, and oil change shops should be similarly insured.
What does a Garage Liability Policy cover?
Typically, a garage liability policy will provide third-party coverage to protect you against bodily injury claims if a customer is injured on your business premises. Or, this policy will protect against property damage claims if you’re held responsible for harm to a customer’s car while it’s in your care. Other essential coverage to consider includes product liability, business interruption, and pollution liability, to name a few.
How much coverage do I need for garage insurance?
The coverage you need with a garage liability insurance policy is typically determined by the number of vehicles kept on your lot or in your garage. The average value of each vehicle also determines the coverage you need. Discussing your unique coverage requirements with a Trigon broker will ensure you’re fully protected.
