This article will explain why this optional, but extremely important insurance is a must for ANY auto repair shop including mobile mechanics. Although Florida does not require any auto repair shop to have this insurance, you should insist they do, after all, it’s your property that is at risk.
What is Garage Keepers Insurance and Why Is It Important?
Garage keepers insurance is held by auto dealers, body shops and auto repair shops. It provides them with liability protection in the event that a customer’s vehicle is damaged while in the possession of the garage for repairs or in our case at Kraken Automotive, mobile mechanic. This type of liability insurance is critical for smaller auto repair businesses as it can provide them with a safeguard against financial disasters as well.
What Type of Protection Does Garage Keepers Insurance Offer?
There are three types of protection this policy offers any auto repair business. This includes:
Legal Liability: This type of claim will protect a shop owner against damages caused from the negligence of an employee or owner. For example, if your vehicle was damaged by your mobile mechanic during repairs, it would be covered.
Direct Primary: This coverage protects the customer’s property if it is damaged by extreme weather or is even stolen while under the possession/care of your mobile mechanic. This coverage kicks in regardless of fault.
Direct Excess: This type of coverage goes into effect regardless of fault. It covers the full amount of any theft or damage and will cover excess amount that shop owners original policy does not.
| RISK | HOW IT’S COVERED |
| Risk: There’s an accident with injuries when the wheel of your car breaks loose — your mechanic forgot to tighten some lug nuts while rotating tires. | Coverage: Garage keepers insurance can help cover costs when a technician’s error is responsible for damage. |
| Risk: Your mechanic or their employee gets into a fender-bender while test-driving a customer vehicle they just serviced. | Coverage: Garage keepers coverage can help pay for repairs and costs if there’s an accident involving a customer’s vehicle under your mobile mechanics care. |
In closing, garage keepers insurance protects the customers vehicle under your auto repair shops care in the event of any type of accident, no matter who is at fault. Kraken Automotive is state licensed and insured for these such instances, is your mobile mechanic?
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