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CAT | Garage Keepers Liability Insurance

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As an owner of an auto service facility your shop is equipped with the necessary tools and your employees are skilled to perform auto repair tasks; however is your facility properly insured? Let’s face it, no matter how careful you and your employees are accidents do happen. If a customer’s vehicle becomes damaged while in your garage, you are held accountable. Protect your auto repair garage with garage keeper insurance. In order to obtain garage keeper insurance you need to consult with a reputable insurance agency such as Boardwalk Insurance Group.

Consult with an Insurance Agent

When consulting with an insurance agent about your specific insurance needs it’s important to relay what type of insurance you need for your business. This helps the agent better understand your requirements and they are able to offer the best insurance policy to fit your budget and your exact desires. Garage keeper insurance is a form of protection that comes from a diverse angle than other policies. The objective of this coverage is to offer protection against damages that are caused to a customer’s automobile while in your possession. A few examples of the protection you have with garage keeper insurance includes if a customer’s vehicle is stolen while on your property or a customer’s automobile becomes damaged by a fire you have stored in your garage shop. Therefore, to ensure that your business is fully protected it is mandatory to have garage keeper insurance so that your customer’s vehicles are protected if it becomes damaged while in your care.

Have Adequate Protection to Cover Customer Vehicles

Trying to find a reasonable policy on your own to cover your business can be time consuming and frustrating as well as confusing. However, when you turn to an insurance agency for assistance their agents can find you the best policy at an affordable cost. An agent will make certain that you have adequate protection to cover your customer’s vehicles when they are on your property. When it comes to your insurance needs you are an agent’s top priority and you will receive competitive rates, exceptional service and flexible terms. You will find that doing business with them is easy and convenient. For more information or to get a quote about garage keeper insurance for your auto repair shop, contact Boardwalk Insurance Group today by visiting their website.

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Garage Keepers Insurance for the Aspiring Auto Detailer 5.00/5 (100.00%) 3 votes

Opening an auto detailing service seems like the perfect business model. Low-capital startup and plenty of positive cash flow, the only thing missing is a trip to Auto-Mart to pick up some equipment and you could be in business tomorrow.

This is where taking a moment to count the full cost of doing business can save you plenty in the long run. There is much troubleshooting, cautious planning and important considerations that must be addressed before you can get a bona fide business off the ground.

The most important of these is proper insurance coverage. This is where the unassuming shake their heads and say “don’t worry, nothing will happen,” “it’s not demolition derby, it’s just auto detailing,” or “but, what about my positive cash flow”. This type of mentality is not conducive to a productive business of handling other people’s property.

Auto detailing, simplistic as it may sound, will mean handling the second-largest investment many people will make. Car owners can be especially sensitive about the way their cars are handled and the conditions in which they are returned.

While general business liability insurance should just be a given, it is important that you consider proper garage keepers insurance as well. This is especially important if you will work in a fixed-location, even if you are not actually doing any mechanical work.

It is a good idea to ask your insurance agency in Texas how much garage keepers insurance coverage you are going to need to safely conduct your business. Think of the negative possibilities; a car could get stolen, subjected to fire damage or even accidentally damaged while being moved or detailed.

You will want to look for coverage in the vicinity of $50,000 to $100,000 simply for damage to any of your client’s vehicles while they are in your charge. A reputable independent insurance agent in Texas can give you more information for fire or theft insurance.

The good news is that there are some ways to keep your premiums from destroying your positive cash flow. First of all, consider paying minor claims with cash out on hand. If you turn every small claim to the insurance coverage they will simply up your premiums.

Furthermore, if you are operating a pick-up and drop-off services, you will want to make sure you have a spotless driving record. If you plan on hiring employees you will want to be sure their records are equally clean, this will help to keep those garage keepers insurance premiums to the bare minimum.

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How to Lower Your Small Business Insurance Costs By Choosing an Independent Insurance Agency In Texas 5.00/5 (100.00%) 1 vote

Whether you’re shopping for commercial liability insurance, garage keepers insurance, or some other type of insurance for your small business, sifting through all your options to find the policy that offers you the most coverage at the best price can be stressful. That’s where an independent insurance agency in Houston can make things easier for you. Independent insurance providers can not only relieve you from the stress and the pitfalls of the hunt for insurance, but also lower your insurance costs.

Independent Insurance Agency

Choose An Independent Insurance Agency In Texas That Understands Your Industry

Independent insurance agents often specialize in finding insurance solutions for specific industries. They can draw on their experience in that industry to understand the needs of your business and how much coverage you actually need. If you have little to no experience with insurance policies, navigating your way through the labyrinth of clauses and requirements can be an onerous task.

Get Quotes From Multiple Carriers

Whether you’re shopping for a basic business auto insurance or a comprehensive garage liability insurance, the best way to find an affordable policy that provides excellent coverage is to get quotes from as many carriers as possible. An independent insurance agency in Texas can do just that.

Established independent agencies work with many different specialized carriers. At Boardwalk Insurance, we partner with over 24 carriers to find the best policy for you. Also, we use the latest insurance comparison software to find the optimal balance between cost and value.

Make Sure You Don’t Buy More Coverage Than You Actually Need

When shopping for business insurance on your own, it can be easy to err on the side of caution, especially if you’re dealing directly with insurance companies, which naturally want you to get as much coverage as you can pay for. Unlike big companies, many small businesses tend to be exposed to fewer risks, and this can mean cheaper insurance policies. But assessing these risks requires experience, both in the industry and in the insurance business, and an independent insurance agent can again help here.

Save Money By Saving Time

The hunt for an insurance policy, the endless comparisons, quotes, and inquiries, the paperwork and, later on, the legal conundrums that misunderstood clauses or delayed claims can give rise to can become a time sink if you don’t have an insurance expert in your team. Dealing with all of these will take up precious time that you could otherwise invest in your business. By teaming up with an independent insurance agency in Houston such as Boardwalk Insurance you can avoid all these inconveniences.

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Why Choose An Independent Insurance Agency In 2016 4.67/5 (93.33%) 3 votes

Whether you’re shopping for commercial liability insurance, exotic car insurance, garage liability insurance, or any other type of insurance policy in Houston, you have to choose between “captive” agencies and independent agencies. While captive agencies represent just one insurance provider, independent agencies represent several. Choosing an independent insurance agency in Houston has a number of benefits which can have a major impact on your decision.

More coverage options and price points

Because an independent insurance agency in Houston partners with several different insurance companies, they are able to compare different options in order to find for you the insurance policy that provides the best coverage at the best price. This can be especially important when it comes to more specialized policies such as exotic car insurance or garage keepers insurance, which not all insurance companies offer.

One application spares you the trouble of multiple applications

When working with different captive agencies or agents, you have to send a separate quote application to each of them. With an independent agency, on the other hand, one application is enough for you to get quotes from multiple insurance companies. This speeds up the search for the right insurance policy for your needs.

A personal adviser guides your decision

Any well-established insurance agency in Texas will offer you your own personal adviser, who can use his or her experience and insight into the insurance world to help you determine how much coverage you actually need and how much you can afford to pay on insurance every year. What’s more, a personal adviser can answer any questions you may have regarding your insurance policy, explaining for example the differences between an exotic car insurance and an exotic car warranty or between a garage liability insurance and a garage keepers insurance.

Complete coverage for all your insurance needs

Because an independent insurance agency in Houston brings together different kinds of insurance options from multiple providers, it can offer you a complete solution to all your insurance needs. If alongside your auto or home insurance you also need business auto insurance or business liability insurance, you may be able to get them all in one place, and sometimes at a discount, too. Shopping for insurance can be a time-consuming, even stressful process, but an independent insurance agency can make it less of a hassle by managing your insurance policies for you.

Last but not least, an independent insurance agency in Houston can offer you more flexibility than a captive agency, not only during the insurance buying process, but also after you sign the papers. If you want to change your insurance later on, an independent insurance agency provides you with far more options. To discover all the benefits of using an independent insurance agency, call now Boardwalk Insurance toll free at 1.866.595.4077 or by using this contact form.

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5 Factors to Consider When Choosing An Insurance Agency in Houston 4.75/5 (95.00%) 4 votes

Like all large cities, Houston has its fair share of insurance agencies, some of them large, others tiny. Whether you represent an organization or are an individual, whether you need garage liability insurance, exotic car insurance, or commercial liability insurance, you want to make sure you consider the right factors when determining which insurance agency in Houston you put your trust on. Here are the key factors you should keep in mind.

Size – Big or Small?

Although smaller agencies have fewer customers and are, in theory at least, likely to offer you better deals and a more personal service, the fact of the matter is that small agencies often work with the same insurance providers as large ones. In other words, the size of the agency shouldn’t be the main factor on which you base your decision.

Type – Captive or Independent?

A far more important consideration than size is whether the agency you choose is captive or independent. While a captive agency works only with a single insurance provider, and is limited by the offers and the requirements of that provider, an independent agency is free to choose the insurance companies with which it collaborates. The benefits of using an independent agency boil down to a wider selection of policies, more options to choose from, as well as better rates, since you can compare providers.

Cost

Although cost isn’t always the best determining factor when comparing insurance agencies, you should of course sample a few offers from different agencies and compare them. When comparing the cost of the insurance, consider not just the cost of the deductible, but also that of the co-pay and out-of-pocket limit.

Coverage

You want to make sure that the policies your insurance agency are offering provide enough coverage. Enough is here, of course, a relative word. Instead of looking only at the sum of money paid as coverage, consider the small print, the limitations and requirements for the coverage to be paid in the eventuality of an accident, as it may differ from company to company.

Policy Availability

If you run or manage a business, you probably don’t need just one type of policy, but several. For example, if you run a car body shop or a car repair shop, you will need not only business liability insurance, but also garage liability insurance and garage keepers insurance. Being able to obtain all the policies you need through the same insurance agency isn’t only convenient, but may also help you pay less for them, and enjoy other benefits as well.

If you are looking for an established and reliable insurance agency in Houston, you may want to take a look at Boardwalk Insurance, whose commercial as well as personal lines of insurance cover the whole gamut of insurance needs that individuals and organizations in Texas have. Boardwalk Insurance is an independent agency that works with the major insurance companies in the region and provides complete coverage. Learn more about our services at www.boardwalkinsurance.com.

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What to Look For In a Garage Liability Insurance Company 5.00/5 (100.00%) 1 vote

If you’re shopping for garage liability insurance in Houston, you have plenty of options available, which can make your choice quite difficult. Finding the right garage liability insurance provider becomes a lot easier if you know what to look for in an insurance agency in Houston. Whether you’re a small local business or a large company, the following tips will help you find a reliable and transparent insurance agency that will offer you the coverage you need at a good price.

  • Look for an independent, rather than captive insurance agency. In the insurance business, captive agents represent a single insurance carrier, which translates into fewer offers and generally higher insurance costs. An independent insurance agency in Houston, on the other hand, represents different carriers, sometimes a dozen or more, and can offer you more garage liability insurance policies and ultimately better rates.
  • Choose an insurance agency in Texas that is close to where you live. If you live in Houston, choose an insurance agency from Houston, as this will make it easier for you to reach them should you ever want to claim insurance. Furthermore, a local insurance company knows the ins and outs of the local insurance market and has at least a basic understanding of your industry.
  • Prefer an insurance agency in Houston that offers not just garage liability insurance but also garage keepers insurance. These are two different kinds of policies. Garage liability insurance covers liability for your property, operations, and products, while garage keepers insurance protects vehicles owned by customers while they are kept on your property, such as when they are parked and waiting to be serviced. To be well covered, you need both types of insurance.
  • Make sure the insurance provider you choose offers other types of insurance you need as well, such as business auto insurance and commercial liability insurance. If you buy all your insurance policies from the same provider, you will usually get them at a discounted rate, not to mention that it will be easier for you later on to resolve any insurance issues you may be facing. By choosing a single insurance agency in Houston, managing your insurance policies and making claims will be less stressful.
  • Check their testimonials. Read them carefully and decide whether they are genuine or not. Make sure the full names of the customers who left them appear, as well as their location and the company for which they have contracted them.

 As an independent insurance agency in Houston, we at Boardwalk Insurance Group work with many different insurance companies ranging from AIG to Zurich, which puts us in a position to offer you the best garage liability insurance in Houston, as well as a complete package of other essential insurance solutions for businesses of all sizes, as well as for individuals. Check our Products & Services page to find out more, or Request a Call Back.

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5 Things You Need to Know About Commercial Liability Insurance 5.00/5 (100.00%) 2 votes

A commercial liability insurance is an essential type of insurance for most Houston-based businesses. However, it is not always well understood, and can cause some confusion. If you consider procuring a commercial liability insurance for your business, then there are a couple of things you should know about it.

  • A commercial liability insurance helps to keep your business running by protecting it from financial loss that may result when you’re sued because of injuries or property damage caused by your services, operations, or employees. For example, if someone trips and falls in your workplace and then sues you, the insurer will cover the costs associated with dealing with the court case and whatever medical expenses there may be.
  • A general commercial liability insurance may not include coverage for personal and advertising injury or medical payments. These may have to be purchased separately, under different policies.
  • A general commercial liability insurance includes limits on bodily injury, property damage, medical payments, personal injury, and general aggregate limits. Once these are exhausted, the insurer may be freed from obligations, although you may still have to continue paying for the insurance until the end of the term. Therefore, it is crucial to ensure that the limits are reasonable and provide enough coverage.
  • The coverage provided by a commercial liability insurance can vary considerably, not only depending on the provider, but also on the type of business which seeks it and the risks to which its staff is exposed. For example, when applied to a retail business such as a large department store, this insurance may be focused on trip, slip, and fall coverage, while with a contractor offering roof repair services it’s more focused on the damages to property and other people that may result during roof replacements, repairs, and other related projects.
  • The number of years you have been in business is one of the key factors that affect the coverage and the premium. Naturally, the higher the level of experience your business has, the less risks the insurer is taking, and therefore the lower the premium.

Finally, it is essential to understand that a commercial liability insurance can only protect your business and bring you peace of mind if it is offered by a reputable and reliable insurance agency in Houston, such as Boardwalkinsurance.com, which has both the experience and the resources necessary to provide the insurance and resolve claims quickly and effectively. Boardwalkinsurance.com works closely with the most important insurance companies in the area, including AIG, Safeco, and National Lloyds Insurance to provide commercial liability insurance as well as a complete range of other insurance packages that include garage liability insurance, exotic car insurance, business auto insurance, and personal insurance. To get a quote now, you can use Boardwalkinsurance.com’s convenient and easy to use online quote forms.

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Garage Liability Insurance Versus Garage Keepers Insurance – What’s the Difference? 4.83/5 (96.67%) 6 votes

Garage keepers insurance is an optional type of insurance for businesses that run service stations or offer towing services which protects the vehicles of customers while these are receiving service or are parked or stored in a covered location. The extent of the protection depends on the coverage of the insurance, but it normally includes protection from collision, fire, and theft. Also, it’s interesting to note that businesses having multiple storage locations usually have to get a garage keepers insurance for each of its locations. In Texas, the garage keepers insurance is also known as storage location insurance.

Garage Liability Insurance

Garage liability insurance protects shop owners when incidents occur while work is being done on customers’ cars. For example, it protects mechanics if a car gets damaged at the shop. Any car shop or other business which handles customers’ vehicles needs a garage liability insurance, and especially service stations, towing companies, repair shops, and car dealerships.

A basic garage liability insurance covers the costs associated with injuries that occur in the shop, whether they involve company staff or customers. Policies with more extensive coverage also protect the company and its employees from discrimination, or the company from employee dishonesty, theft, or vandalism.

Both Are Important

As you can see, while the garage keepers insurance covers damage to customer’s vehicles, the garage liability insurance covers the company’s liability for operations and automobiles. A garage keepers insurance and a garage liability insurance are different kinds of policies, but they complement each other and are a must-have for any car repair, car dealership, car service, or any other business whose operations involves the towing and storage of customer’s cars, whether this is for a limited or extended period.  Also, it is important to keep in mind that the amount of coverage each of these policies offer depends on the insurance company that provides them.

Boardwalk Insurance’s Complete Garage Insurance Solutions

One insurance company that offers both garage liability insurance and garage keepers insurance, as well as business auto insurance and business liability insurance, is the Boardwalk Insurance group, an insurance agency Texas based which collaborates with the leading insurance companies in the area. The Boardwalk Insurance group offers these policies as part of its commercial line of services, providing good rates and flexible cover, depending on the needs of your business. To find out more about the company’s garage insurance services or to get a quote, please visit www.boardwalkinsurance.com.

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Spring into a new home 5.00/5 (100.00%) 2 votes

Spring time is a time when the sun is high in the sky, people are seeing their lawns after the brutal winter months and when people start to redo their gardens. This is also the time that many people set out to buy beautiful new homes.

Of course, many people set out looking for a home and get Insurance agents in Texas, and realtors to help them make decisions as to which home would be the best idea and how to get their home insured. One other factor that is very important is the beauty of the home. The property has to be appealing to the eyes of the potential buyer for them to want to live there. Houston offers many locations for homes that are beautiful.

Another investment that is made in the summer, is the purchasing of exotic cars and exotic car insurance. This is another investment that is based on price but also a lot on beauty. Houston offers its residents wonderful summer weather that allows them to tend and care for both of these large investments and allows them to keep both of these in amazing condition thanks to the weather.

The sunshine of the spring months is usually the time that people do their gardening and lawn maintenance in an attempt to keep their home looking as appealing and if not more appealing than it was when they first purchased it . It is a time where the weather just encourages homeowners to go outside and spend time outside in their yards. Much of this time is used to heighten the beauty of homes.

The same is true for exotic car owners. Spring time is when you will see owners of exotic cars sitting outside in the sunshine washing their cars and detailing them to make them sparkle in the sun.

Overall, springtime is the season that promotes beauty of homes and cars. It promotes their beauty when people go to buy them in the beautiful weather, and it promotes the beauty because the owners of these investments have time and feel a need to make these investments and belongings look clean and new and refreshed like the seasons and the attitude it promotes.

One of the facts that should not be forgotten to insure the continued beauty of these objects is the fact that the owners should purchase exotic car warranties and contact insurance agencies in Houston to make sure that their belongings are protected and kept in perfect condition.

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All About Garage Liability Insurance 4.33/5 (86.67%) 3 votes

Owning an auto shop is difficult enough with the endless stream of cars, equipment and employees hurrying about, but what really is cause for concern is insurance. Especially in today’s saturated insurance market, finding a quality company with the right coverage options can be a nightmare. Nobody wants to wake up to a huge lawsuit with mounting medical fees without having the proper insurance to bail you out- which is why insurance can ensure the stability of a company. Garage liability insurance, for example, is a type of insurance policy that covers auto shops in case of on site accidents/damage to employees or company owned equipment.

Despite the name, a wide assortment of business owners need garage liability insurance to save themselves from crippling legal battles. Any business that operates by taking care of cars in any fashion will need to purchase some form of garage liability insurance. These include but are not limited to:

  • Auto Body Shops
  • Detail Shops
  • Performance Shops
  • Service Stations
  • Car Audio Shops
  • Car Dealerships

Garage Liability Insurance will cover a large assortment of damages, but only garagekeeper’s insurance will cover individually owned property. Regardless, garage liability insurance will generally cover:

  • Fire Damage
  • Theft/Vandalism
  • Slip and Fall Accidents
  • Weather
  • Off/On Site Collisions

Once you’ve highlighted the need for garagekeeper’s insurance, you’ll need to know what exactly to look for when purchasing a coverage option.

  • Limits – This covers the maximum amount the insurance company will pay in the event something disastrous happens. The higher the maximum, the higher the premium.
  • Deductible – Before the insurance group will agree to pay for damages incurred, you’ll have to pay a deductible for each vehicle affected. This is negotiable so make sure you set a value that you have the capability to pay.
  • Past History – Each company operates differently, but premiums will fluctuate based on a variety of criteria. This not only includes deductibles and limits, but also past history, security protocol, and employee history.

So it doesn’t matter if you own an auto shop or a car dealership, shopping around for garage liability insurance is a must.

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