Florida Garage Liability Insurance Quote
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Protect Your Garage Or Auto Repair Shop With Garage Liability Insurance
When you own your own small business, the costs of doing business can seem incredibly suffocating. For any type of business, the costs that drive up overhead and suppress profits can seem like an insurmountable obstacle in the success of your company. This is especially true if you own and operate your own auto repair business or garage. If you own a company that is in the auto service industry, you face high costs and higher overhead for all manner of different things. But, the one place where you should not skimp is on insurance coverage. This is where garage liability insurance comes into play for you.
Garage liability insurance is the type of insurance policy coverage that protects you and your shop from any liability claims that may be made to clients or to passersby in the course of your operations. Garage liability insurance typically protects the premises on which your shop is located and any or all of the spaces within it. It can also cover any of the things that your shop or garage produces or repairs, depending upon the nature of that product or the length of time between the repair and the time of claim.
Garage liability insurance will protect you in the event of an accident that causes injury to a customer, to an employee or to a passerby on your premises. The amount that the policy pays out depends greatly on the level of your coverage, your premium and your deductible, but all of this can be hashed out during the drafting of your policy.
Claims Of Negligence During Repair
Garage liability insurance will also protect you from claims of negligence and the use of defective or improper parts or installation procedures during the operation of your business. If your client files a claim against your shop for using faulty parts or for incompetent service, you will be covered up to your policy coverage.
If one of your employees or prospective employees ever files a claim of discrimination against you or one of your managers at your garage, this type of insurance will also protect you. It does not matter what form of discrimination is claimed.
Injury For Employees Or For Customers And Passersby
This type of insurance will also cover any injuries and liability claims filed by your employees, customers or passersby during the course your operations, up to the amount of coverage you purchase.
Company Owned Vehicles
And, garage liability insurance will also cover damage and theft that occurs to vehicles that are owned by the shop and that occur on company business.
There are a couple of things that garage liability insurance does not cover, however. It does not cover theft or damage to a customer or client's vehicle when it is in your possession. If, for instance, a client's car is broken into overnight at your shop, garage liability coverage will not cover you for the costs of this.
Garage liability insurance can protect you in a number of ways, and though the costs of it can be another added expense to a long and growing list, the future financial security of your shop can often far outweigh the short term concerns of expenses and overhead.
There is much, much more to a Garagel Liability Insurance Policy in Florida, and the best way to understand how it will protect your business is to Request a Quote to discuss your unique situation.
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