Roberts Insurance Group Blog
Garagekeepers Insurance In Georgia- Everything You Need To Know To Protect Your Auto Services Business
Garagekeepers Insurance- Running An Auto Service Business In Georgia Is Never Easy
As an auto service business, having the right insurance plan in place is vital to protecting and growing your business. When your clients leave their car in your care, it is up to you and your company to ensure their vehicles issue is repaired properly and that it is returned to them in a better condition then when they dropped it off.
Of course, accidents happen, which is why they are called accidents- no one plans on having them. This is why every auto services business in Georgia needs Garagekeepers liability insurance.
What Does Garagekeeper's Liability Insurance Cover?
Garagekeeper's Liability Insurance provides comprehensive anfd collision insurance coverage for vehicles that are left in the care of a garage or auto services business. Whether you own a dealership, service shop, body shop, or detailing facility, Garagekeepers is what you need to make sure your clients' vehicles are fully covered while in your custody and control.
As an auto services business, the last thing you would want is to damage a client's vehicle and have no way to pay to repair it. This is why you need Garagekeeper's insurance. The next question is, what kind of Garagekeeper's insurance do you need?
Types of Garagekeeper's Insurance
There are many types of Garagekeeper's Insurance. For today, we are going to focus on the 2 most common types: Legal Liability and Direct Primary.
This is the cheaper of the 2 most common options. Just like everything else in the world, cheaper isn't better. Why? Because legal liability Garagekeeper's insurance will only pay out if you or one of your employees is legally liable for the damage done to a client's vehicle that is in your possession. If legal liability can't be proven, then the insurance company will deny your claim and your client will be required to file the claim under their own policy OR you could pay/fix/replace the vehicle out of your own pocket. If your client has to file under their policy, pay their deductible, and have their insurance rates increase because you just cared about having cheap coverage, do you think they will do business with you again? NO. Do you think they will make negative reviews online? YES. Do you think they will tell others not to do business with you? YES.
Now that we've explained the downfall of saving a few bucks to get legal liability Garagekeepers, let's discuss what your business really needs: Direct Primary Garagekeeper's.
Direct Primary Garagekeeper's Liability pays for comprehensive and collision damage for your client's vehicle in your care, whether you are legally liable for the damage or not. Their insurance company will never get involved. This is a great way to make sure your business thrives and you build rapport with your client's and the community. Hopefully this won't happen very often with your auto services business. But when they do, you'll be glad you had Direct Primary Garagekeeper's Liability Insurance to fix your client's vehicle quickly and efficiently.
Do you really want to ever be in the position of having to explain to your client that your insurance company won't pay to fix their car because you were just wanting the cheapest possible option? No and your clients don't care if you are legally liable or not. To them, they dropped their car off with you and they expect it to be returned in one piece, not with an excuse on why it isn't.
The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business.