Smart Move Insurance works with several different carriers that can provide your company with Phoenix, AZ Garagekeepers liability insurance. If your business offers towing or service station services, Garagekeepers Legal Liability coverage is for you because it protects you when you are storing customers’ vehicles. Other common business owners that need Garagekeepers liability insurance include auto repair shops, auto dealerships, parking lots, hotels, valet parking services, towing services, and many more. Garegekeepers liability coverage will protect your business from negligence causing damage to a customer’s vehicle. Coverage options include comprehensive (other than collision or overturn), specified causes of loss (fire, lightning, theft, or mischief or vandalism) and collision or overturn.
Your general liability in Phoenix or garage liability insurance policies will not cover the damage or loss to vehicles that have been in your care, custody or control because of the “care, custody or control” exclusion in the liability section of the policy. The basic policy coverage is based on the “legal liability” of the insured for damage to customer’s vehicles; the customer must prove that the insured was negligent for the damages. There are many different limits of liability to choose from and range anywhere from $1 million to $10 million with the option to increase these limits with a commercial umbrella policy. You must also select a per-vehicle deductible, which is the amount the business will cover to repair or replace each vehicle. Your company may choose deductible options ranging from $0 to $10,000 depending on how much risk your company will retain versus the cost associated with each option. A higher per-vehicle deductible will lower the cost of insurance for your company.
Smart Move Insurance in Phoenix, Arizona has many options for you and your business and would love to discuss your business insurance needs today. For more information or to obtain a quote please contact a Garagekeepers legal liability Phoenix insurance specialist at Smart Move Insurance.