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Choosing Insurance Coverage

How to choose proper Henderson insurance coverage

Most commercial insurance is pretty easy. You start with the Garage or Commercial General Liability limit, then move on to your Property Coverages and you're done.

Garages however have an added coverage because of the coverage needed to protect customer vehicles. Has your agent ever discussed the differences of LEGAL LIABILITY AND DIRECT PRIMARY? Many agents never discuss it and it only ever comes up when you have a loss....that is not the best time.

GARAGEKEEPERS COVERAGE

LEGAL LIABILITY

Provides coverage while the non-owned vehicle is in your Care, Custody & Control. THE POLICY WILL ONLY PROVIDE COVERAGE HOWEVER IF THE VEHICLE WAS STOLEN OR DAMAGED AND YOU OR YOUR EMPLOYEE WAS AT FAULT.

THERE IS NO COVERAGE IF YOU ARE NOT AT FAULT. SO IF YOUR ALARM WAS ON AND YOUR SHOP WAS LOCKED OVERNIGHT AND CARS WERE VANDALIZED.... THIS TYPE OF CLAIM IS NORMALLY DENIED. THE COMPANY IS ONLY GOING TO PAY IF YOU ARE LEGALLY LIABLE FOR THE DAMAGE OR LOSS OF A VEHICLE. NOT YOUR FAULT, NO COVERAGE.

THERE IS NOTHING WRONG WITH THIS COVERAGE. LOTS OF GARAGES HAVE IT BECAUSE THEY DO NOT WANT TO BE ON THE HOOK FOR EVERY CAR THAT IS IN THEIR SHOP 24/7...AND IT COSTS LESS BECAUSE IT S LESS COVERAGE.

IF YOU WANT MORE COVERAGE THERE IS:

DIRECT PRIMARY

Provides coverage while the non-owned vehicle is in your Care, Custody & Control. The policy WILL PROVIDE COVERAGE FOR BOTH AT FAULT AND NOT AT FAULT LOSSES.

Many agents automatically quote DIRECT PRIMARY but it s your business and you should be aware of your coverage. If you have too many Direct Primary losses, it could get you easily non-renewed because the carrier HAS TO PAY DIRECT PRIMARY CLAIMS. If a claim gets submitted and you have DIRECT PRIMARY, chances are the claim will get paid even if you want to try handle it and yourself. DIRECT PRIMARY is also more expensive because it provides more coverage.

WE HAVE MET GARAGE OWNERS WHO THINK HAVE DIRECT PRIMARY ONLY TO FIND OUT THEY HAVE LEGAL LIABILITY. WE HAVE ALSO MET GARAGE OWNERS WHO DON T WANT DIRECT PRIMARY AND ARE HAPPY TO LET THEIR CUSTOMERS INSURANCE KICK IN IF THEY HAVE A LOSS.

THE BOTTOM LINE IS, IT S YOUR BUSINESS TO INSURE YOUR WAY. DON T LET AN AGENT WHO MAY NOT KNOW ANYTHING ABOUT GARAGE INSURANCE MAKE COVERAGE DECISIONS FOR YOU.

If you want to know more about this GARAGEKEEPERS or any other coverages in the GARAGE POLICY, please give Tim Harrison a call.

Choosing the proper insurance coverage should not be a hard and frustrating process. As a commercial insurance agency with over 20 years of experience we can offer very competitive carriers and great service. No matter if you are in Nevada or anywhere in California, give us a chance to quote your business and you will get a hardworking, dedicated agency.