• Facebook
  • Pinterest
  • Twitter
  • Linkedin

Customer Login

InsuranceHub
Call Us Today(770) 497-1200
TRUSTED FOR30+ YEARS
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close
GET QUOTE

What insurance do I need for a parking lot?

Home | Business Insurance | Insurance | What insurance do I need for a parking lot?

15 May
2018

What insurance do I need for a parking lot?

by Katelyn Betts | in Business Insurance, Insurance
What insurance do I need for a parking lot?

If you have a parking lot, you’ve got a fair amount of risk. While no one wants to consider the worst-case scenario or think about how a disaster could befall them, it’s important to understand the risks you face as the owner or operator of a parking lot or garage so that you can get the insurance coverage you need to protect yourself from risk. We’re going to go over four different coverages you can consider for your parking garage and explain how each can protect you.

Insurance coverages for a parking garage.

1. General liability insurance.

General liability insurance is an extremely important coverage for businesses to consider. If you run a parking lot or a parking garage, a lot of people are coming and going to and from your premises. And since you’re the person responsible for the premises, you could be sued for property damage or bodily injury if someone feels your business is the cause.

Imagine if someone just parked their car in your lot. They’re walking across your lot when they realize they left their coat in the car. They jog back to get it, and they trip over an uneven section of asphalt. They go flying and land hard, catching their fall with their hands. They break both wrists. Since they feel that you’re liable for their injury, they decide to sue you.

General liability can help you defend against this kind of claim. It can help you cover legal expenses and settlements. Lawsuits are common in today’s society, where people sue for reasons big and small. And lawsuits can get pricey very quickly – which is why general liability is an important coverage for you as the operator of a parking garage to think about.

2. Workers’ compensation.

You might employ attendants, valets, or other workers for your parking garage. Workers’ compensation insurance can help provide for and protect your employees if they get hurt on the job. Depending on your state, you might be required to carry workers’ comp insurance when you have a certain number of employees.

Workers’ comp can protect your employees by covering their medical bills and a portion of their lost wages if they’re injured while on the job. That way your employee gets the medical attention they need to heal and recover from their injury. They can take the time they need to focus on getting better instead of worrying about how they’re going to cover their living expenses.


Get a quick business insurance quote today.

 


Let’s say that you have a parking garage with multiple levels. One of your employees has to go to one of the upper levels, and they take the stairs. On the way there, they lose their balance and slip, falling down the stairs. They’re bruised and have broken bones – in short, they need medical attention and time off to get better. Workers’ comp could help cover their medical bills and give them back a portion of the wages they lose while unable to work.

3. Garagekeepers insurance.

Your parking lot could be considered to have care, custody, and control of the cars that your customers leave at your lot. And if you have care, custody, and control of your customers’ vehicles, you could be liable for damage caused to the cars while they’re parked in your lot or are otherwise your responsibility.

Garagekeepers insurance can help you if one of your customer’s cars is damaged while it’s in your care, custody, and control. Depending on your policy, different losses could be covered. It’s important to understand what kind of garagekeepers insurance you have and what losses it will cover.

Other coverages you can consider for your parking lot.

Of course, these aren’t the only coverages you can consider for your parking lot or garage, and these aren’t the only coverages you might need to cover your risks. The following are other insurance coverages you can consider for your parking lot.

  • Property
  • Employee dishonesty
  • Business income
  • Umbrella
  • Hired and non-owned auto

insurancehub get insurance quote

We know that the world of insurance can seem confusing and overwhelming at times. That’s why we’re here to help with your insurance needs. We can help you get insurance for your parking garage so that you’re protected from whatever mishaps and calamities life can throw your way. Get started with quotes by filling out our online form or giving us a call today.

Share this article...
  • Facebook
  • Pinterest
  • Twitter
  • Linkedin
Tagged garagekeepers coverage

About Katelyn Betts

Kate is a copywriter and licensed insurance agent for InsuranceHub. She graduated from the Savannah College of Art and Design with a BFA in writing. Kate has lived in Georgia for most of her life, and she enjoys reading, writing, and playing with her family's cats.

Post navigation

What do I do if I can’t get car insurance?
Why it’s important to get a tow truck insurance quote

Related Post

Keep Toasty With A Great Winter Soup

Keep Toasty With A Great Winter Soup

10 Tips for Enjoying the Gemini Meteor Shower

10 Tips for Enjoying the Gemini Meteor Shower

National Safe Toys & Gifts Month

National Safe Toys & Gifts Month

CALL FOR A QUOTE!

(770) 497-1200

Speak with an insurance agent who can deliver transparent insurance options and competitive rates. Shop across all our carriers and get a fast & free quote!


Online Quote Form

Recent Articles

  • Buying the Right Amount of Insurance for High-Value Homes February 24, 2021
  • Tax Benefits of Registering an Exotic Car in Montana February 17, 2021
  • Transportation Company Insurance – So Much More than Trucking Insurance February 10, 2021
  • Homeowners Insurance Does Not Protect Your Home-Based Business February 3, 2021
  • 8 Habits of Successful Towing Businesses in 2021 January 25, 2021

Article Archives

  • February 2021 (4)
  • January 2021 (4)
  • December 2020 (5)
  • November 2020 (1)
  • October 2020 (8)
  • September 2020 (7)
  • August 2020 (4)
  • July 2020 (5)
  • June 2020 (4)
  • May 2020 (4)
  • April 2020 (6)
  • March 2020 (7)
  • February 2020 (4)
  • January 2020 (11)
  • December 2019 (11)
  • November 2019 (11)
  • October 2019 (15)
  • September 2019 (11)
  • August 2019 (13)
  • July 2019 (13)
  • June 2019 (12)
  • May 2019 (14)
  • April 2019 (13)
  • March 2019 (13)
  • February 2019 (14)
  • January 2019 (13)
  • December 2018 (13)
  • November 2018 (18)
  • October 2018 (16)
  • September 2018 (10)
  • August 2018 (10)
  • July 2018 (13)
  • June 2018 (10)
  • May 2018 (15)
  • April 2018 (10)
  • March 2018 (9)
  • February 2018 (9)
  • January 2018 (12)
  • December 2017 (9)
  • November 2017 (10)
  • October 2017 (9)
  • September 2017 (8)
  • August 2017 (9)
  • July 2017 (10)
  • June 2017 (9)
  • May 2017 (10)
  • April 2017 (10)
  • March 2017 (8)
  • February 2017 (6)
  • January 2017 (4)
  • December 2016 (5)
  • November 2016 (8)
  • October 2016 (8)
  • September 2016 (7)
  • August 2016 (9)
  • July 2016 (8)
  • June 2016 (8)
  • May 2016 (6)
  • April 2016 (9)
  • March 2016 (9)
  • February 2016 (7)
  • January 2016 (3)
  • December 2015 (4)

About Us

At InsuranceHub, it’s our mission to make insurance easy. Our goal is to be more than just an insurance agency. We want to be a partner and an advisor to our customers.

© 2020 InsuranceHub Agency, LLC. All rights reserved.

Licensing & Legal

Company Information

  • About Us
  • Leadership Team
  • Careers at InsuranceHub
  • Connect on Social Media
  • Pay Your Bill
  • Customer Login

Communications

  • Our People
  • Leadership
  • Careers
  • Corporate Responsibility
  • Review Us

Your Security Is Our Priority

1720 Lakes Parkway
Lawrenceville, GA 30043

Phone: 877-341-5728
Phone: 770-497-1200
Fax: 770-814-7187

FEW-0630AO (11/2018)
  • Auto
  • Life
  • Health
  • Business
  • Privacy Policy
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close