Garage Liability Insurance
Garage Liability Insurance
Why should I get insuance for my mechanic garage?
Where heavy equipment or dangerous substances are involved, there is always the potential that someone may get hurt on the job. A mechanics garage fit the bill on both of them. They are a work enviornment that workers can easily get hurt, so it is in your best interest get yourself some insurance.
What do you mean by "Garage"?
Garage can mean auto service station or repair shop, but it could also include parking garages and other places that service or park cars.
What is Garage Keeper's insurance?
Garage keepers insurance insures the owner of the garage personally, while garage liability is what covers the garage. They are usually lumped together under and umbrella policy. It also includes any possible wrong-doing by the owner or management in terms of discrimination or other hiring mistakes.
How do I avoid having to use my insurance?
Training your employees to not take any unnecessary risks is a great way to start, but this still might not be enough. Accidents happen and sometimes there is nothing you can do about it.
What if I take my chances?
Don't do it. It's a chance you can not take. It is important to get the right type of coverage so you don’t find yourself surprised if a claim should be made and your policy does not cover it. So always keep it up to date. Ask advice from the insurance agent and determine what your risks are and what amount of insurance you need.
What if I do have to file a claim?
That's ok. Everybody who owns a business usually has to file a claim sooner or later. Make sure you have all the paper work in order. If you can't get everything done, ask your agent. They will be more than happy to help you get everything in order. The process usually goes pretty smoothly.
Garage Liability Insurance
