California Garage Insurance and Garage Keepers insurance are often confused in what each type of coverage that each forms offers. Typically Garage owners will look to add coverage under both forms to make sure that there is no gap in their coverage. ConXis Insurance Service understands the complexities of Garage insurance and is here to help. Our professionals can walk you through the process to feel assured that you have the right coverage for your business.
In most cases neither garage insurance or Garage Keepers insurance is sufficient by itself for business. Each coverage overlaps and compliments each other and together insulate the garage owner from risk.
Garage insurance in California is designed to cover bodily injury or property damage that is a result of an accident during standard garage operations. Not to oversimplify it but think of Garage insurance in Texas more as General Liability policy. This policy will cover your liability someone comes to your shop slips and falls, causing injury. You manufacture or distribute a product that causes damage to person auto. Employee dishonesty etc.
Garage Keepers insurance in Texas again to try and simplify it you should think of Garage keepers insurance more as property policy. This policy is designed to cover third party autos “while the insured is attending, servicing, repairing, parking or storing it in your garage operations.” This coverage is designed to protect customers’ autos from damage while the vehicle in your custody. Examples would be fire, theft, natural disaster, collision while test driving the vehicle, etc. Note the policy does not cover the personal contents of your customer’s vehicle. This is one coverage you may want add via an endorsement to make sure if something happens you have coverage.
ConXis Insurance is here to help you understand the differences between Garage insurance in Texas and Garage Keepers insurance. Our independent agents can walk you through the process and find the best coverage for you and your garage.