Whether you are a Used Car Dealership or the neighborhood Auto Mechanic, we have markets and programs designed to meet your needs. Our background will enable us to provide you with a customized approach to meet your specific needs from Garage Liability and Garage Keepers to Comprehensive Packages including Property, Broadened Liability, Inland Marine (for tools), Commercial Automobile and Workers Compensation.
The garage keepers legal liability insurance program covers damages such as bodily injury, property damage, certain pollution costs and expenses. These damages must result from an accident during normal garage operations involving the ownership, maintenance or use of covered vehicles.
Looking for Miami garage liability insurance, come visit is at our Miami location.
Garage keepers insurance policy covers the named insured obviously. Anyone else who uses a covered car the insured owns, hires or borrows and operates with permission. Some exceptions include anyone the insured borrow a car from or anyone who works for the insured but owns their own vehicle.
We have Florida programs for both mobile and stationary businesses:
Garage general liability is based on the type of garage operations as well as the amount of employees and location as well as limits required. Premium or cost may be anywhere from $500 and up.
For a quote, follow this link and complete all the information. Garage Keepers Quote
All auto dealers in Florida are required to carry Garage Liability; most major metropolitan counties require that all businesses that do any type of work on vehicles (i.e. auto repair, body work) carry Garage Liability. You should check with your county for further license and insurance requirements. Of course, it is recommended you always carry Garage Liability even if not required by the license authorities to protect from the expense of litigation.
If you would like a firm quote, follow this link and complete all the information. Garage Liability Application
Garage liability is very similar to general liability except Garage Liability includes liability for autos held on the garage business. General liability excludes autos.
In the State of Florida in accordance with the Statutes businesses do not have to have Workers Compensation until it has more than 3 employees. This is true for all industries except for construction.
You should take into consideration that although you are not require to have Workers Compensation, your business is still responsible for any accident or employment disease / illness that an employee may incur.
We have helped customers all across the state of Florida. Below are some of the cities we have done business in.