Orange County Auto Service Garage Insurance Savings
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If you own an auto repair business in the OC, you need a specialized insurance policy to protect you. We provide the best rates on Orange County auto service garage insurance for businesses such as:- Auto Body & Repair Shops
- Auto Detailing
- Oil & Lube Shop
- Auto Paint Shop
- Engine Repair Shop
- Brake Repair Shop
Auto Service Garage Insurance
In addition to the auto dealer surety bond legally required for retail car dealers, California dealers should also purchase garage liability insurance. Learn more about this policy below, and request a quote from Absolute Surety today.What is Orange County Auto Service Garage Insurance?
Auto garage liability insurance combines key features of general liability insurance and commercial auto insurance. Garage keeper’s insurance, though typically a separate coverage, is often combined with garage liability insurance. All of these coverages can be combined with Worker’s Compensation, Business Property, Business Interruption, and Defective Parts and Workmanship coverages to create a custom, comprehensive business owner’s policy (BOP) for an auto dealership or other business that involves servicing and repairing motor vehicles.Who Needs Auto Garage Insurance?
In California, Orange County auto service garage insurance is not mandatory for any business. However, there is no cap on the amount of damages that a court can award a plaintiff in a liability suit, and California judges tend to make high damage awards. It makes good business sense for businesses that have a significant risk of bodily injury or property damage to purchase a liability insurance policy with a high coverage limit. Auto dealers that perform service and repairs on their premises are prime candidates for garage liability insurance, as are other auto-related businesses, such as:- All auto repair shops
- Towing services and impound lots
- Car washes and detailing services
- Restaurants and hotels that offer valet parking
- Independent valet parking services
How Does Orange County Auto Service Garage Insurance Savings Work?
Vehicle service garage insurance is essentially a general liability policy that is custom-tailored to the needs of a given business. It typically combines key aspects of general liability insurance with important features of commercial auto insurance. This unique insurance also includes a coverage known as garage keeper’s insurance, which covers some losses not covered by general liability or commercial auto policies. General liability policies cover bodily injuries and property damage or loss suffered by non-employees as a result of normal business operations, but it does not cover damage to customers’ vehicles that occurs while those vehicles are in the custody, care, and control of the business. To protect against damage to customers’ vehicles on the business’s premises or being driven or worked on by an employee, you’ll need to add garage liability coverage. Garage liability coverage will pay for damages to a vehicle in the custody, care, and control of the insured business, whether it is caused by the actions of an employee or those of a thief or vandal. It also covers damage from fire, severe weather, or other events beyond the insured’s control. Alternatively, it does not pay for damage to or the loss of personal property in the vehicle, such as a portable GPS unit, briefcase or laptop.How Much Does It Cost?
Most business owners will pay annual premiums in the range of $300 to $2,000 dollars for garage liability insurance. The exact amount will depend on factors such as the specific coverages included, the dollar limits on claims, and the size of the deductible selected by the insured when the policy is established.Customer Testimonials
Terri was right to the point and satisfied all my needs without going through a big spiel.
The Agent that helped me get the insurance I needed was polite, very professional and answered all of my questions with regard to my concerns. She was right on time! Thanks again Terri!!🤗
Terri was very friendly, and did a very good of finding me a better and less expensive policy….
Terri has really good communications skills, is very polite and explained things really well.
Great experience with Coffer. Terri has always been responsive to my needs as a customer. Rates are competitive and service is top-notch!
Super efficient, clear communication and scored a much better rate for my car and renters insurance!
The staff at Coffer insurance are so nice and knowledgeable. I’m so happy I found this agency and would highly recommend them. As a college student I need low prices and fast service. I can say they met all my needs. Thank you coffer!
Coffer went the extra mile to make sure I was insured. They had a team member meet me at my dealership, an hour from their office, with proof of insurance so I could take delivery. Incredible service! Needless to say, I moved all of my insurance business to Coffer.
I have been with Coffer for many years. They offer excellent customer service and their rates are unbeatable! Not only do they have those qualities, but when it comes to a claim they are unsurpassed. They are on top of everything until the end. I would not go to any other insurance agency.
Just spent time getting my policies straightened out with Coffer. They have been so helpful, professional and friendly. This is the agency we will be with me for years to come. Thank you!
I have worked with Coffer for over 10 years and have always received top notch service. They have always been so helpful with my questions and policies. I would highly recommend Coffer Insurance for any and all of your insurance needs.