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TAG | garage liability insurance houston

Boardwalk Insurance: Commercial Liability Insurance in Houston For Everyone 5.00/5 (100.00%) 1 vote

If you recently moved to Houston, Texas, you may be in the hunt for new, local insurance providers. Consider turning to an independent insurance agency in Houston, such as Boardwalk Insurance. One of the leading independent agencies in the state, Boardwalk is a uniquely capable group that provides customized insurance policies to its entire clientele.

Insurance is a device developed to mitigate financial trouble. The first form of financial insurance that has been found was in the famous Code of Hammurabi, and dealt with shipping goods over the sea. The plan called for a payment of a fee to a loan giver, which would absolve the recipient off the loan of any debt if the ship were lost. From the very first, one of the most difficult problems insurers faced was to anticipate a specific kind of loss. If the ship in question caught fire and all the stock was lost, but enough of the structure remained to limp into port, should the fee still apply? These kinds of questions have kept insurers and lawyers busy throughout the centuries. Fortunately for Texans, Boardwalk is the best insurance agency in Houston for answering the ancient riddles of insurance and coverage.

Boardwalk Insurance has created in its organization an extensive roster of insurance policies providers and partners. The group includes valuation specialists, web developers and over a dozen insurance companies offering various specializations. In this group you can find the most adaptable and expert agents, ready to bring together a policy that is customized to your specific needs. By maintaining their status as independent insurers, Boardwalk is able to bring together such diverse elements that it can easily assemble customized policies for both personal and commercial clients. Its personal lines encompass both renters and homeowners, with property coverage that run the gamut of possessions. It commercial lines are similarly widespread, and offer protection for business owners, commercial liability, and commercial property. Workers compensation can be expertly addressed by Boardwalk, as well.

One interesting service that Boardwalk has specialized in, and which reflects the group’s versatility and range of knowledge, are the garage liability insurance policies it offers. These policies are designed to protect the owners of high echelon luxury vehicle, including Lamborghinis and Rolls Royces. The owners of these vehicles often keep them stored in climate control facilities, and when they do so, the vehicles are subject to numerous potential problems, including decay and possible theft. The owners off the facilities themselves are also involved in security operations that carry high risks. These are extremely valuable vehicles that cost a lot of money. To cover these situations, premiums must be balanced against unusual potential losses. It is an odd sort of situation for a policy, but the expertise of Boardwalk has created a large clientele for its work in this field.

Boardwalk Insurance has created something new and exciting as an insurance agency in Houston, Texas. Well-established and successful, the group is ready to serve your needs with the best in customized insurance policies you could ask for.

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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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What is Garage Liability Insurance/Garagekeeper’s Insurance? 4.50/5 (90.00%) 2 votes

Businesses in the auto field all need insurance policies to prevent any legal, financial, or medical issues. Whether it’s a tire shop or an auto repair store, buying garage keeper liability insurance and/or garagekeeper’s insurance policies can make a huge difference in the longevity of the company.
•    Basic Garage Liability Insurance Coverage- Basic garage liability insurance generally covers medical injuries sustained/company owned property damage within the confines of the shop. This includes slip and fall incidents or tool malfunctions and coverage extends until the policy’s coverage ceiling.

•    Additional Coverage Options- Outside of typical coverage options, garage liability insurance can cover auxiliary issues like implications from faulty machinery, faulty products and off-site company vehicles. Naturally, these issues are only covered if the coverage limit matches with the total damages.

•    Garagekeeper’s Insurance- What many don’t know is that garage liability insurance won’t cover all types of damages that occur within the confines of the shop. Without garagekeeper’s insurance, the company would have to pay out of pocket for any damages to individually owned cars while in the shop. Whether it is a fire or damage from maintenance, garagekeeper’s insurance is an absolute necessity to purchase in conjunction with garage liability insurance.

•    Pricing- Pricing is ambiguous from company to company. Usually, insurance firms will use a series of metrics to evaluate premiums- driving records, past incidents, coverage options, business type and security. Most good insurance companies will offer a variety of services and options to suit your needs. For example, an auto shop would need to purchase garage liability insurance with some additional options plus garagekeeper’s insurance in order to cover all possible harms.

The Boardwalk Insurance Group has built a reputation on its knowledge, happy consumer base and vast experience. If you are in the market for a quality insurance company, look no further than Boardwalk.

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Garage Liability Insurance vs. Garagekeeper’s Insurance 4.33/5 (86.67%) 9 votes

If you own a tire store or an auto shop, it’s in your best interest to understand the differences between garage liability insurance and garagekeeper’s insurance. The main difference hinges on company owned versus customer owned property. Garage liability insurance covers the shop’s operations, vehicles and tools, whereas garagekeeper’s insurance covers damage to customer’s vehicles. You’ll need both if you want to cover yourself and your shop from huge losses from legal battles.

Garage liability insurance is a must for owners of auto repair shops, a tire stores,  car dealerships, etc (essentially anyone who’s living depends on cars), but don’t make the terrible mistake of thinking that damage to a privately owned vehicle will be covered by garage liability insurance. In order to properly cover a customer car, you’ll need a separate garagekeeper’s package. Do note, however, that many garagekeeper coverage packages omit loss to aftermarket electronics.

In today’s increasingly litigious society, insurance agencies are becoming much more strict when dealing with guidelines for loss prevention. They do this to cut the costs associated with environmental damage to private cars.

If you own a shop that’s considering a garage liability insurance or a garagekeeper’s insurance package, it’s imperative that you sign up every single employee and executive and mark them down on the policy. Otherwise, you could be in for a terrible wake up call. Keep sharp tabs on all of your drivers and make sure that alcohol abuse isn’t an issue. A driver with a DUI could pose some pretty serious consequences for you and your company outside of being suspended from all driving activity.

There are a few details to not miss when looking for a garage liability insurance or a garagekeeper’s insurance package. Make sure that there’s plenty of lighting around the place, especially at night, to prevent any unfortunate mishaps in the dead of night. Next, keep the floors within the shop clean and a have nice exterior paint job for aesthetic purposes. Similarly, well designed landscaping can help too. When you have a shady looking business operation, finding an insurance company that will offer you a policy may be tough. That’s why it’s in your best interest to keep things looking nice. Appearance is everything and it can make or break your attempt to find coverage.

If you’re in the market for a highly qualified garage liability insurance or garagekeeper’s insurance agency, look no further than the Boardwalk Insurance Group. Their experience in the industry combined with a passion for customer service put them at the top of the insurance market. Check them out today to see what the fuss is about!

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