If you operate a service station or a towing company, you surely carry some type of Commercial General Liability Insurance as would any other business operation. The owner of a garage faces exposure to vehicles left at the business as well as exposure to the building itself – hence the need for coverage commonly referred to as Garage Keepers Liability Insurance in Bryan and College Station Texas.

Unique Coverage in Texas

Garage Keepers Liability Insurance Bryan TXMost states offer a coverage known as Garage Keepers Liability Insurance that combines two important coverages into one policy: Business Auto Coverage and Commercial General Liability. These two forms are important because they cover losses to the business premises itself as well as the vehicles that are brought to, worked on, and stored at a company’s location.

The state of Texas is unique as to how it describes and names two of the coverages that are important if you own a service station or a towing company. The garage keepers liability insurance coverage in Bryan and College Station Texas is known as Storage Location insurance, while what applies when a vehicle is being towed is called On-Hook Towing insurance.

How The Coverage Applies

Typically, the perception of Garage Keepers Liability Insurance when it is offered in Bryan or College Station TX is that it covers any damage that might happen to a customer’s vehicle while it is being serviced or stored on the premises of a company engaged in such work. It is required above and beyond Commercial General Liability Coverage because there is an exclusion under such policies that applies to any vehicles in the ‘care, custody, or control’ of that business.

When selecting coverage specifics, limits for the policy per occurrence must be selected as well as a per-vehicle deductible that will apply to any covered loss. Because of the way the Texas policy is written, you must also purchase Commercial General Liability coverage as well as the previously mentioned On-Hook Towing Insurance to provide a broad coverage for a servicing station business.

Specific policy definitions will dictate how each coverage applies to each covered loss – so it will always be important to have the help of insurance professionals to select the right coverages for your own individual operation. Jones & Associates has been handling the insurance needs of the Brazos Valley for 46 years – and can help any service station or towing company find the right Garage Keepers Liability Insurance in Bryan and College Station TX!

Jones & Associates - For Garage Keepers Liability Insurance in Bryan and College Station TX!
Does your service station or towing company in Bryan or College Station TX need good garage keepers liability insurance? Call Jones & Associates at (979) 776-4740 and let them build the right policy for your business!

Related Articles:

Why Does My Business Need Commercial General Liability Insurance?
Control Business Risks With Business Insurance!

Image courtesy of Surachai/FreeDigitalPhotos.net