Garage Insurance Quotes
Garage insurance quotes available for repair shops, body shops and car dealerships located in Texas.
Garage keepers insurance seems confusing to a lot of people because it often gets mistaken for a garage liability policy. However, the two are significantly different as the garage keepers insurance covers the vehicles that are under the care of the garage while they are repairing it. It means while your vehicle is being repaired in a garage but it gets damaged, the repair costs will be the responsibility of the garage owner.
The garage liability insurance does not cover the vehicles that are under your care. This is the main reason why you need garage keepers insurance. If you do not have any coverage and if any of the vehicles get damaged, the repair costs will come out of your pocket. Therefore, unless you have a contingency fund for this type of expenses which most garages actually do not have, it makes sense to have an insurance policy that will cover you in this regard.
There are three types of garage keepers insurance available and it is entirely up to the garage owner to decide which one would suit their budget and more importantly, which one would keep the customers happy.
Most vehicle owners will probably have physical damage policies and if a vehicle is damaged, the policy will probably cover for the repairs. Therefore, the cheapest garage insurance available is the legal liability and it only covers issues whereby you or your staff is responsible for the loss. One example is when someone had left the car key in the ignition and then the car had been stolen. However, as you can imagine, the client could be pretty upset if you have dented their car and you are now expecting them to repair it themselves.
The most expensive policies will cover the repair costs even if the customer has a physical damage policy. Although it is more expensive, it is by far the best way to build good customer relationships, as it would be the quickest way to have the customer's vehicle fixed. As a result, your client, though probably annoyed, will be pleased that you as the garage owner will cover all the costs yourself.
Our agents will gladly assist you with your policy choice and advise you on which policy might be best for you as per your requirements. Our agents are available 24/7 to help you solve any problems that you might have in this regard.
When you are considering buying garage keepers insurance, you need to know how it works. The garage keepers insurance will only cover the vehicle of your customer but not the other vehicles that were involved in the accident. That is why, it is advisable to consider having both types of insurance policy; i.e., a garage liability policy and a garage keepers insurance.
However, if you provide a facility which is used by customers for parking then a liability type of policy is probably more appropriate for this type of business. The best option in this regard would be getting in touch with the insurance experts that can advise the most cost effective policy for your situation. Thus, when a mishap happens, you will have the peace of mind that you will be fully covered.
As mentioned above, garage keepers insurance is much different than garage liability insurance. So it is recommended for you to have garage keepers insurance whenever the customers’ vehicles will be under your care. That will cover businesses like repair and body repair shops, valet services sand car washing services.
Garage insurance quotes available for repair shops, body shops and car dealerships located in Texas.
Insurance Agency
Frank Medina Insurance
Texas
3663 N Sam Houston Pkwy E Ste 600
Houston, TX 77032
(713) 955-2559
Hours of business
Monday - Friday
9:00 am to 5:00 pm
Closed Saturday and Sunday