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What is Garage Insurance?

If you need to buy insurance for your garage, then knowing the best types of coverage to protect you from financial stress is crucial. From the work that you carry out on commercial autos to everyday servicing and general repairs, you want the reassurance of knowing you have the best types of insurance for your garage, your staff, and the vehicles that you are entrusted to look after.

Who Needs to Buy Garage Insurance?

Whether you an auto-body shop, an auto-glass business, a servicing center, or a repair shop, your garage will store customer vehicles overnight, and in some cases, for a longer period of time. It doesn’t matter whether these vehicles are trucks, commercial machinery, cars, or bikes; you will need to buy liability coverage for your garage at an appropriate level for the size of your business and the value of vehicles you may hold onsite at any one time.

What Insurance Should You Buy for a Garage?

As a business owner, you need to insure your garage against a range of liabilities. Aside from this, you may also need to make sure you have the right coverage in place for your staff too. Here, we explain the different types of insurance you can buy for your garage.

  1. Business Owner Policy – BOP

A Business Owner Policy is a combination of either 2 or 3 types of insurance policies. It can be a great way to save money buying garage insurance, as the insurance company will usually provide a discounted price when compared with paying for each policy on its own. The levels of coverage may vary from one provider to another, so it’s important to check the details of each business owner's policy if you are comparing the best insurance for your garage.

What’s included in a BOP for a garage?

If you want to buy a business owner policy for your garage, then you will usually always get general liability coverage and commercial property insurance included as standard. In some cases, you might also get business income protection included as well; but this third type of coverage isn’t always included, so you need to check.

  1. Garage Liability Coverage

If you buy liability coverage for your garage, you are protecting your garage from claims that could be made for any property damage or third-party bodily injury. It will help you financially if a claim is made against your garage and can cover costs such as medical or legal expenses, and repair costs that result from the incident.

Garage Liability Insurance comes in a few different forms, and the best type of liability insurance for your garage should be discussed with an expert commercial insurance agent.

The main types of coverage you can expect when you buy liability coverage for your garage are:

Third-party Property Damage – This is the type of insurance your garage needs to buy in case a client’s car is damaged while under your care. It will usually cover the cost of repair or replacement.

Bodily Injury - If someone who is not a member of staff is injured on your premises, your garage is liable for that injury. This insurance will help to pay any medical expenses or claims that relate to the incident.

Product Liability - If you make, sell or use products, and one of those products is faulty, you are liable for any damage that may be caused to their property as a result. A prime example of a garage could be if a faulty part is fitted, and it causes damage, and this is the coverage you need to help you pay for any associated costs.

Garage Keepers Liability Vs. Garage Liability Coverage

It is important to remember that garage liability coverage IS NOT the same as Garage Keepers' coverage. This should usually be bought as a separate policy, and the garage keepers policy will cover any damage that might be caused to a client’s vehicle while it is in your care. It will usually offer coverage for test drives and vehicle storage outside of your normal operational hours. In addition to this, acts of theft and vandalism are also included.

If your garage has a number of locations, then a separate policy will usually be required for each.

What is not covered by garage liability coverage?

  • Employee injuries are not covered; for this, you will need to buy worker's compensation coverage.
  • Damage to the physical garage premises are not covered; for this, you will need to buy commercial property coverage.
  • If the financial losses are greater than the limitations of your policy, then you will need to have bought umbrella insurance for your garage to cover any excess.

The Best Way to Get a Quote for Garage Insurance

If you need to buy insurance for a garage, then you should always speak directly with an expert commercial insurance agent. They will be able to guide you through the best types of coverage you need to buy and ensure you are getting a quote for garage insurance at the right level for your business operations.

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