When you’re running a tow truck business, you have a lot on your mind. You have to manage your drivers, keep track of your accounting, fill out paperwork, and, of course, deal with the tow truck insurance. One coverage you might have questions about is garage liability insurance. First of all, what is garage liability insurance? And why would you need garage liability insurance if you don’t have a garage? We’re going to explain what garage liability is, why you might want to consider it, and how you can get quotes for garage liability insurance.
What is garage liability insurance?
Garage liability insurance can protect your business against liability that comes from the day-to-day operation of your business or the services you provide. That means that if the services you provide cause someone bodily injury or property damage and you’re found to be responsible, garage liability could help cover the expenses you’re legally obligated to pay to the injured person.
So, even if you don’t have a physical garage location, you can benefit from having garage liability insurance to protect your business.
We’ll give an example.
Garage liability insurance in action.
Okay, we’re going to create a scenario. Imagine that you’re a tow truck business, but you also do roadside assistance. You don’t have a physical garage location. Anyways, one day you get a call from a driver who has a flat tire. You hustle over to the scene of the breakdown and quickly change the driver’s tire.
The driver thanks you and skedaddles, heading off down the road. They only drive a few miles when the tire you just changed pops off their vehicle, causing them to get into an accident. Thankfully, they’re not seriously hurt, but they do need some medical attention. Garage liability can help cover your legal responsibility to the driver whose tire you changed.
How to get a quote for garage liability insurance.
Now, if you’re considering garage liability insurance, you’re probably wondering how you can get some quotes to find out how much garage liability insurance costs.
When you work with our team, getting garage liability insurance is easy. Here’s how it works.
1. You fill out our quote form.
It all starts when you fill out our online quote form. This is just so that we can get some initial information about what kind of business you are, where you’re located, and what kind of insurance you’ll need. The form doesn’t take long – we know that you’re busy!
2. One of our tow truck insurance professionals gives you a call.
You’ll get a call from an agent when we receive your quote form. This is just so they can introduce themselves to you and get some more information. They’ll ask some questions that will allow them to get a quote for your insurance – what kind of business you do, details about your truck (year, make, and model), how many drivers you have, and so on. Now, we know that you’re busy, so we won’t take up too much of your time. But of course, we’re here to answer any question you might have.
3. We shop for quotes.
Then your agent will get to work and start shopping your rates. We have relationships with numerous carriers, so we’ll get you multiple quotes so you can compare coverage and pricing options. It’s basically like an insurance shopping spree!
4. We give you your quotes and go over your options.
Your agent will then present you with your quotes. They’ll also take the time to go over your options with you and discuss each plan so that you know you’re getting the coverage that’s right for you. Then we’ll help you finalize your coverage so you’re ready to hit the road with peace of mind.
5. We’re here for you.
Our team is just a phone call away to help you out with any of your insurance needs. Our goal is to be more than just an insurance agency – we want to be your trusted insurance partner and advisor. So, don’t hesitate to give us a call if you need anything or if any concerns come up with your insurance. We’re here to help.
So, to get started with your tow truck insurance quote, fill out our online form or give us a call today! We’re happy to assist with any of your insurance needs.
Source
https://towtruckinsurancerates.com/what-is-garagekeepers-liability-coverage/