Florida Garage Liability Insurance

For a cars enthusiast, owning your very own automobile garage can be one of the best things in life, perhaps even a dream come true. However, if you aren’t careful, your dream can easily become a nightmare in just a minute. If your mechanic unintentionally damaged the engine of your customer’s vehicle while fixing it, you are in big trouble. But don’t worry too much, as garage automobile insurance will be the perfect solution to prevent the best dream of your life from becoming a total nightmare.

Garage automobile insurance is a kind of insurance specifically designed for vehicles dealers, especially those which also offer repair and other accompanying services. The definition for vehicles dealers is very broad, so it can also include service stations, specialty shops, parking garages, valet services, etc. To put it simply, if you have to take in a car that is not in your ownership, it is likely that your business is eligible for garage automobile insurance.

When you take in and repair a customer’s vehicle, you are at risk of having to pay for any damage caused to it. Normal commercial insurance will not cover this cost because the vehicle in question is not owned by you, and even if you appeal to commercial auto coverage, that won’t work because it only covers the vehicles that are intended to be used by your business. Your customer’s vehicle is not yours, and it is not used for work as well. So, you will be left in a dilemma, but thankfully, garage automobile insurance will be your key to the way out. This kind of insurance will cover the damages to your customers’ vehicles, so you will not have to pay for any liability, and it also extends to your partners and employees as well, so long as you list them on your application.

What is covered in garage automobile insurance?

It is difficult to pinpoint exactly what will be covered by garage automobile insurance, as it will vary depending on the company. However, most of them cover these following features:

• Third-party injuries in your garage: if, for example, a person was unintentionally injured in your garage by accident, their medical bills will be covered by this insurance.
• Damage caused to customers’ vehicles by your repair equipment or during the repair process. Note that the damage caused to these vehicles while they are in your possession will not be covered in this kind of insurance.
• Damaged to the vehicles which are caused by products manufactured or sold at the garage

There will also be other special features that each garage offers. It is important that you discuss this thoroughly with your insurance salesperson.

Although it’s extremely unlikely, accidents at work happen. When they do, you need to be prepared to settle the damages, so even if it doesn’t seem like an urgent choice right now, garage automobile insurance is a good long-term investment. If you are interested in this kind of insurance, you have come to the right place! Call us now to receive a personalized quote!