Garage keepers insurance Houston, TX is excellent for those who own and run a vehicle garage or mechanics shop. It can help protect your customers’ vehicles against a number of liabilities and damages. Accidents can happen, and you don’t want to be responsible for paying for repairs for your customer’s car. That is where garage keepers insurance comes in handy.
At Texas Insurance Agency, we can help you find the right insurance policy, like garage keepers insurance Houston TX, as well as many other policies. Contact us today and request a free quote. We have expert agents who know their way around commercial insurance inside and out. We are located in North Houston as well as The Woodlands, Katy, and Pearland. Request your service today.
What You Need to Know About Garage Keepers Insurance Houston, TX
It is important to get the right garage keepers insurance if you run a company that deals with cars, like a repair shop or a parking lot. This type of insurance protects your business from having to pay money if a customer’s car gets damaged while it’s in your care. Here is what you need to know to make sure you are safe.
First, it’s important to know what garage owners’ insurance covers. Most of the time, it covers things like theft, crime, fire, and damage caused by poor workmanship or parts. It also protects you if a customer’s car gets hurt while you’re running your business. But each insurance company may offer different types of coverage, so it’s important to find out what your business needs.
When choosing the right garage insurance, you should think about the size and type of your business. If you run a bigger business with a higher chance of damage, you might need to choose insurance with higher coverage limits. But a lower limit may be enough for smaller companies. So, figuring out the right amount of coverage for your business depends on how risky your business is.
It’s also important to figure out how much your business can claim. A deductible is the amount you have to pay out of pocket before your insurance company pays the rest. So, a bigger deductible can lower your premium, but it also means you’ll take on more risk right away. A smaller deductible, on the other hand, means that you won’t have to pay as much out of pocket for an insurance claim, but your premiums may go up.
Also, shopping around and getting quotes from different companies can help you find the best rates and benefits for you. Some insurance companies focus on garage keepers insurance and may be able to offer you extra coverages that are just right for your business.
To get the right garage keepers insurance, you need to plan ahead and think carefully. To get the right policy for your business, you need to know what the insurance covers, figure out how risky your business is, think about how much your deductible will be, compare quotes, and work with an experienced agent. Stay aware and get the right insurance for your business to protect it well.
Differences between Garage Liability and Garage Keepers Insurance
Businesses in the automotive field need to know the difference between garage liability insurance and garage keepers liability insurance. People often get these two types of news mixed up or think they are the same. But each one protects different parts of your business in a different way, and knowing how they are different can help you make sure that your business is well protected against possible losses.
Most of the time, garage liability insurance covers injuries to people or damage to property caused by how an auto-related business is run. When an accident happens in your garage, like when a mechanic leaves a tool out by mistake, and a customer trips over it and gets hurt, Garage Liability insurance can pay for the legal fees and medical bills. This insurance also covers accidents involving vehicles owned by the business, like test drives or delivery mistakes.
Garage Keepers Insurance, on the other hand, has a clearer goal. This insurance is meant to protect the cars and other vehicles left in the garage owners’ care. It comes into play when something like a fire, theft, vandalism, or bad weather causes damage or loss to a customer’s car while it’s on your land. Garage Keepers Insurance doesn’t cover the things inside the car or things that belong to customers, though.
The main difference between Garage Liability insurance and Garage Keepers insurance is what is covered. Garage Liability insurance protects the business and the actions of its employees, while Garage Keepers insurance protects customer cars left in the care of the company.
Questions You May Have About Your Policy
Does Garage Keepers Insurance pay for the damage my workers cause?
Yes, Garage Keepers Insurance can cover damage that your workers do to customers’ cars while they are working on them or while they are in their care. But it’s important to check this with the policy details because coverage can change from one provider to another.
What does Garage Keepers Insurance not cover?
Even though the details of each insurance can be different, in general, Garage Keepers Insurance does not cover damage to a customer’s car caused by bad work, bad parts, or bad installation. Also, it doesn’t cover any personal items inside the car.
What kinds of companies need Garage Keepers Insurance?
Garage Keepers Insurance is a good idea for any business that works with customer cars. This includes places that fix cars, fix body damage, wash and clean cars, sell tires, change oil, and even tow cars.
Texas Insurance Agency Can Help
If you are unsure which insurance policy your shop needs, no need to worry. Texas Insurance Agency is here to help. We have a full understanding of the nuances of the different policies and which ones you may need. When searching for insurance for your business, you don’t have to do it alone. Texas Insurance Agency can help you today.
Fun Facts for Houston, TX
- Houston is also known as “Space City,” “Hustle Town,” and “the City With No Limits.”
- Augustus C. Allen and John K. Allen built Houston on August 30, 1836.
- The city is named for Sam Houston, a military commander and politician who spearheaded Texas’ independence from Mexico.