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Garage Liability Insurance Protects Customers and Employees 3.43/5 (68.57%) 7 votes

There are many auto repair shops, ranging from small local businesses to large franchise shops to dealership service facilities.  There are many tools and chemicals presenting potentially grave liabilities should something go wrong.  To protect the business, garage liability insurance and garage keepers insurance can be taken out for the business.

Garage liability insurance is a business insurance that strictly covers liability for the property and the work done there.  Typically, garage liability insurance is also paired with garage keepers insurance, which covers the property of customers at the garage.  Both garage liability insurance and garage keepers insurance are very important for auto repair shops, because even the smallest mishap on the property can have potentially devastating repercussions.

Garage liability insurance protects the business from any potential liabilities on the property.  Whether the liability comes from an employee’s actions or a disgruntled customer, garage liability insurance protects the auto repair shop from the costs of the damages.  With all the tools and chemicals, garage liability insurance is a must.  Oil can cause someone to slip and fall, the lift holding the car up could fail, and in the event a repair goes bad, the auto repair shop is also protected from the angry customer as well.  Some auto repair shops also own and operate their own fleet of vehicles, from rapid response flat tire repair to tow trucks of various sizes for anything from a car to an eighteen wheeler.   These vehicles are also covered by garage liability insurance.  No auto repair shop is too small for garage liability insurance.  Even if the auto repair shop is on the side of a convenience store or another unrelated business, garage liability insurance should be used to protect it.

Garage keepers insurance is just as important as garage liability insurance for an auto repair shop.  While garage liability insurance protects the business and its property, garage keepers insurance protects the property of the customers.  Many of the same dangers concerning garage liability insurance also pertain to garage keepers insurance.  While garage liability insurance will probably provide more day-to-day protection, garage keepers insurance will most likely protect against a larger single claim.  If something were to happen at the auto repair shop that damages or destroys customer property, like a fire destroying several cars, garage keepers insurance provides coverage.  The cost of damages to vehicles and the property in them can quickly escalate into the tens and hundreds of thousands of dollars depending on the size of the auto repair facility.

Both garage liability insurance and garage keepers insurance have many different factors affecting the policy, and shopping around for an adequate garage liability insurance and garage keepers insurance policy can be a very demanding task.  However, an independent insurance agency can effectively do most of the work for you by generating business insurance quotes from affiliated insurance providers.  This lets the auto repair shop owner focus on their work while ensuring the policy is the best value and meets the needs of the auto repair shop.

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Auto Insurance Protects Your Vehicle 4.67/5 (93.33%) 3 votes

Whether used as a daily commuter, a weekend cruiser, a grocery getter, or a piece of the work fleet, your vehicles are generally a very important part of your daily life.  Vehicles can also be a significant investment on the part of the owner, whether it is a personal vehicle or a business vehicle, and auto insurance is a must to protect it.  More importantly, most states require auto insurance, making it the law.

Both personal auto insurance and commercial auto insurance come in many different shapes and sizes, just like the vehicles they insure.  Basic auto insurance comes as simply liability insurance, shielding the owner from the costs of repairing the damage and medical costs if the insured driver is responsible.  The minimum liability auto insurance limits are what states regulate as part of their minimum auto insurance requirements.  In addition to liability auto insurance, collision and comprehensive auto insurance can also be taken out for your vehicle.  Collision auto insurance protects vehicle owners from the costs of repairing a vehicle when it is involved in a collision.  Sometimes collision auto insurance is required for an auto loan.  Comprehensive auto insurance protects the vehicle owner from the cost of damage resulting from many other hazards besides a collision, including “Acts of God” hazards, including tornadoes, floods, or hail.

In addition to standard auto insurance and commercial auto insurance policies, there are several add-on policies that have special protections.  Increasingly, auto insurance is neglected as money gets tight, and in the event of a collision, the party at fault does not have insurance or the financial ability to cover the repair costs.  Uninsured and under insured motorist auto insurance protects the policy holder if the at-fault party cannot afford to cover repairs, whether the at-fault party is insured or not.  Loss of use auto insurance reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is being repaired due to covered damage.

Commercial auto insurance also has special insurance considerations.  In personal auto insurance policies, for the most part, the owner is the operator.  For commercial auto insurance, many different users can use the vehicle and need to be covered.  In addition, the potential operators might have the option to operate many different vehicles in a corporate fleet.  This kind of flexibility requires commercial auto insurance to have special provisions for this.  In addition, for large fleets, commercial auto insurance can be provided through a fleet insurance package, which can be a more cost effective insurance solution than individual commercial auto insurance policies.

Auto insurance is almost universally a necessity and many insurance providers offer both personal auto insurance and commercial auto insurance options.  However, shopping for auto insurance quotes and business insurance quotes for commercial auto insurance can be very time consuming.

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Hotel Insurance Protects Your Business 4.50/5 (90.00%) 6 votes

The service industry is built on pleasing customers with outstanding customer service, and running a hotel is no different.  To protect your hotel from disaster and liability, a hotel insurance policy can be bound from many different insurance agencies.  Similar to other business insurance policies, hotel insurance combines a strong property policy that can be tailored to cover both natural and manmade disasters strong liability policy with a, due to the large number of third parties, or guests vital to the health of the property.  Getting business insurance quotes for hotel insurance should be a pretty simple task, since many insurance providers offer hotel insurance.

The property coverage of hotel insurance is the most variable part of the hotel insurance policy.  Hotels have quite a bit of property that is cycled in and out of use, and it is no secret that some of it can disappear at the end of a guest’s stay from time to time.  Also, while hotels try to find the most robust property to put in their guest rooms, it can still become damaged due to the actions of others, requiring a property policy that protects the hotel from losses due to damage from guests.  Hotel insurance typically includes contents coverage for this, protecting anything from the bedding to the telephone and TV in the room, items that are seemingly constantly being upgraded to increase patronage.  Hotel insurance contents coverage also protects from other hazards, including damage and loss from other perils such as fire or storm damage.  To protect the viability of the hotel, many hotel insurance policies also include business interruption coverage, ensuring the hotel does not go bankrupt while recovering from insured events.  Other losses that can be covered by hotel insurance include theft by employees, an unfortunate reality that must be faced in the workplace, and equipment failure, which protects from losses incurred due to the breakdown of business equipment, such as computers.

For liability coverage, hotel insurance needs to be more serviceable since the third party guests are what keeps the hotel a viable business and requires a veritable army of employees to keep the hotel running smoothly.  Included in hotel insurance are both public and employers liability, protecting the hotel owners from the costs of an injury to guests or employees while on the hotel property.  Fighting claims can also be a significant expense, so hotel insurance also can cover legal expenses while defending the hotel from liability claims.

Insurance is a necessary business tool to protect from loss and help preserve a business’s viability.  For hotels, customized hotel insurance can be the savior of the property when unfortunate events strike.


Auto Insurance – Protect Your Transportation 4.44/5 (88.89%) 9 votes

Aside from a home, a vehicle is probably one of the most important personal investments outside of a home.  For companies that provide transportation for employees, auto insurance can also provide protection from any on the job mishaps.  In addition, auto insurance is required in most states, ensuring that anyone that owns a vehicle should be looking into getting auto insurance to protect their investment.

There are several types of auto insurance coverage: liability, comprehensive, and collision, along with several other types of more specialty coverages, such as medical, uninsured/underinsured motorist, and rental reimbursement.  In addition, for commercial auto insurance, other factors need to be addressed, such as the amount of drivers and their driving record.  Otherwise, many factors tied to the auto insurance premium are the same for personal and commercial auto insurance policies.

Liability auto insurance is the basic minimum coverage required in most states; however the value of the minimum auto insurance coverage varies by state.  Liability auto insurance covers injury and property damage to others, but not to the owner of the vehicle itself.  Collision auto insurance is specifically for damages caused in a collision, while comprehensive auto insurance covers vehicle damage from just about anything not collision related: whether it is fire, weather related, or even vandalism or theft.  Medical coverage is for medical expenses regardless of fault resulting from an auto accident.  Increasingly, uninsured and under insured motorist auto insurance is needed, protecting the insured when the accident is caused by a driver who has no insurance or does not have enough insurance to cover the damages.  As a boutique type of policy, rental reimbursement auto insurance is also available; which pays for a rental car while the primary car is being repaired due to an auto accident.  All these coverages can be mixed and matched to create the best auto insurance policy for your needs.

For business vehicles, commercial auto insurance is a little different.  While many coverages pertaining to personal auto insurance can be used, there are certain requirements for commercial, or work vehicles that must be noted.  The number of vehicles and drivers also can affect a commercial auto insurance policy.  Fleet insurance may also be a better alternative if there are a large number of commercial vehicles owned by the business.  Getting business insurance quotes can help get the best commercial auto insurance for the price.

States are generally doing everyone a favor by requiring motorists to hold an auto insurance policy.  The protection even basic liability insurance affords can go a long way in helping get those affected by an accident back on their feet.

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Specialized Hotel Insurance 4.25/5 (85.00%) 4 votes

Hotel chains have reputations attached to them based on the name of the particular franchise.  To qualify to use the name of a particular hotel chain name as a franchise, the hotel company expects certain standards to be maintained to preserve the integrity of the brand name.  These reputations permeate the public consciousness as well.  Comprehensive hotel insurance can help protect hotels from unexpected events involving the hotel, its employees, and its patrons and their property.

Hotel insurance is generally a combination of several basic insurance policies, including a contents policy, business interruption policy, and both public and employers’ liability policies.  A comprehensive hotel insurance policy saves hotel owners the need to shop around for multiple policies and possibly pay multiple providers multiple premiums that will almost certainly cost more than a bulk hotel insurance policy.

These different coverages are important to make hotel insurance a complete policy.  Contents insurance protects the contents within the hotel from loss or damage.  With hotels pushing more and better features to attract guests, contents coverage protects anything from the new flat screen TVs in the rooms to the towels and the sheets that sometimes disappear after a guest checks out.  Guests’ property coverage also covers the possessions of guests staying on the property from loss or damage, ensuring the hotel is not on the line for paying for replacements.  In addition, franchised hotels are required to hold excess liability insurance.

Business interruption insurance protects the hotel in case of lost business due to loss of facilities from an accident.  It covers the loss of profits while the property is being repaired due to insured events like a fire, flood, or other catastrophe.  Liability for both the public and employers’ covers accidental injury while on the hotel property.  Public liability protects the hotel and its owners from accidental injury claims from a third party, while employers’ liability protects the hotel from employee injuries while on the hotel property.  Hotel insurance also frequently covers other legal expenses such as the cost of barristers and witnesses and opponents’ costs if the case is judged in their favor.

Other hotel insurance policy options include theft by employee coverage, customer inconvenience remuneration expenses, delivery and service errors and omissions, and lost key coverage.



Customized Auto Insurance – Don’t Take the Minimum 4.86/5 (97.14%) 7 votes

Insurance is designed to reduce most of the financial liability or loss of property resulting from unforeseen events.  Auto insurance is no different, shielding automobile owners from the risk of financial harm or loss resulting from a vehicular collision or other vehicular damage.  While the type of auto insurance can vary based on the purpose of the vehicle, most auto insurance policies fall under personal or commercial auto insurance.

Auto insurance in some form is required in nearly every state in the United States except Virginia, where a $500 annual fee is required if liability insurance is not purchased and New Hampshire, where personal responsibility can be proven by meeting certain standards.  Other states require by law some form of auto liability insurance to cover injury or property damage caused.  However, the minimum insurance rarely covers damages to the person at fault, so choosing the right auto insurance policy is very important.

Full coverage auto insurance covers both the operator and the other parties involved in a collision and includes collision insurance, comprehensive insurance, and liability insurance.  Collision insurance will cover repair costs of a vehicle or the cash value of the vehicle if it is totaled.  Comprehensive insurance covers vehicles in situations other than collisions, such as fire, damage from theft, vandalism, or other damage.  Most comprehensive auto insurance policies will also cover “Acts of God” beyond human control, such as floods, tornadoes, or other similar events.

There are several other forms of auto insurance that fit special needs, including uninsured or underinsured motorist coverage, loss of use, GAP coverage, towing, and personal property insurance.  Uninsured/underinsured motorist coverage (UM/UIM) ensures the party that is not at fault is not stuck with a bill due to the at fault party’s inability to pay.  While often overlooked, the number of uninsured drivers can be over 30% in some parts of the country, so UM/UIM coverage is very important.  Loss of use coverage reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is repaired due to a loss that is covered under the existing insurance policy.  GAP coverage protects a new car is damaged beyond repair; however the loan is valued higher in the car.  GAP coverage was established as car price increased, auto loans ran longer, and vehicles were leased more frequently.  Towing insurance covers the use of a tow truck when used for non-accident reasons, such as a flat tire or mechanical breakdown.  Personal property auto insurance covers personal items in the vehicle not attached to the vehicle, such as a laptop that was damaged in a car accident.

To cover business property and absorb the financial risk from damage, commercial insurance policies are available.  To cover work vehicles, commercial auto insurance policies can be created.  For most vehicles, commercial auto insurance is not needed, however a vehicle owned by the business and used for more business than personal use, a policy can be advantageous.  Generally, employees using work vehicles are less likely to treat them as their own, and work vehicles are more likely to be put under more stress and in more hazardous situations, so commercial auto insurance could be a very helpful solution, especially in heavier industries.

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