Orlando, Fla.—As a garage keeper, your clients’ car safety becomes your responsibility once the vehicle arrives to stay in your business. That is the case for auto repair shops, garages, and towing companies as well. During the winter, as weather conditions deteriorate making our roads less safe, garage business owners must reassure their protection against any liability that may result in financial loss.

Often combined with Garage Liability, there is a difference between garage liability insurance and physical damage insurance. Garage Liability covers the insured’s liability of operations and autos, while Garage Keepers covers damage to the customers vehicles.

Garage keepers insurance falls under a garage policy held by auto dealers, body shops, and repair shops. It provides them with liability protection in the event that a customer's car is damaged while in the garage's possession for repairs, bodywork, or storage. A standard garage liability insurance covers bodily or property damage that happens during regular business operations. If you own this kind of business, know that this type of insurance usually pays for the legal fees and expenses related to the defense of lawsuits. I will also protect your clients against third-party legal claims, but it does not cover the car.

Coverage includes events such as:

• Vehicle damage from on-site equipment
• Damage from products sold or manufactured by the company
• Third-party injuries from falls or other accidents
• Discrimination or dishonesty claims
• Damages caused by an accidental collision of a business vehicle with another car or property                             

Exclusions to this coverage may include:

• Damage to your clients’ own products
• Property under the custody, care, or control of your clients
• Injuries or damages caused by pollution
• Automobiles used for professional racing
• Employee injuries

This type of liability insurance can be critical for smaller auto businesses as it can provide a safeguard against financial disaster. It is highly recommended for:

• Towing companies
• Auto detailers
• Body shops
• Service stations
• Car washes
• Repair shops

Additional coverages with a Garage Keepers, lacking from your standard garage keepers policy, includes protection for your customers’ vehicles from damage caused by: 

• Theft
• Fire
• Extreme weather
• Vandalism
• Accidental damage

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be more than happy to assist!

Hector Perez, Producer

Email Hector
Call 407-203-7085