In Tennessee, $6,317,565,000 in commercial insurance claims were paid in one year alone. When your business is servicing vehicles, you'll need specific policies to have enough coverage. Tennessee commercial insurance will have garage keepers coverage to help with customer vehicles. 

Fortunately, a Tennessee independent insurance agent will have access to numerous markets at once. They'll even do the shopping for free, saving you time. Connect with a local adviser for coverage and rate options.

What Is Garage Keepers Insurance?

If your operation works on, serves, sells, details, or hauls cars, specific coverages are necessary. Garage keepers liability will help when you are responsible for customer vehicles. Check out what a garage keepers policy covers in Tennessee:

• Garage keepers liability insurance: Pays for the replacement or repair of your customers' vehicles. Any damage that may occur while they are in your care, custody, and control would be included under this policy. If you run an auto repair shop, this coverage will apply when you fix a customer's car or take it for a test drive.

How Much Is Garage Keepers Insurance In Tennessee?

The carriers use your unique risk factors when rating your commercial coverage. In Tennessee, garage keepers insurance costs will vary from shop to shop. Take a peek at what insurance companies use to calculate your premiums below:

• Your experience level as a business owner
• The amount of coverage you would need
• The value of customer vehicles at any given time
• Safety procedures in place for accessing customer vehicles
• Your loss history
• How long you've been insured

Industry revenue of general automotive repair in the US (in billion US dollars)

The price to insure your business sufficiently is less than it takes to pay out of pocket for a loss. Some claims can be substantial and will need help covering expenses.

What Does Garage Keepers Insurance Cover in Tennessee?

Several automotive industries will need garage keepers insurance in Tennessee. A quick rule of thumb is whether you have care, custody, or control over any customer autos. Check out industries that garage keepers insurance could apply to:

• Tow truck operators
• Quick lube shops
• Auto body shops
• Auto repair shops
• Valet services
• Auto detailing shops

Garage keepers insurance will have coverage for a variety of customer auto-related losses. The most common claims filed include fire, theft, vandalism, natural disasters, severe weather, and collision with an object or motor vehicle.

Garage Keepers Insurance Limits in Tennessee

Similar to other insurance policies, you're limits of protection will be specific to your business. Your Tennessee garage keepers insurance will cover the maximum value of cars in your care, custody, and control at any given time.

Personal consumption expenditures on motor vehicle parts and accessories in the US(in billion US dollars)

Auto parts and accessories are a substantial market in the US. The right protection for your operation will ensure that you're not responsible for a major expense.

What Doesn't Garage Keepers Insurance Cover in Tennessee?

Every commercial insurance policy will have items that it doesn't cover. Garage keepers insurance has limits for a particular type of loss. Some of the most common exclusions are listed below:

What your garage keepers insurance won't cover:

• Bodily injury
• Property damage of a non-customer auto
• Business property
• Inadequate workmanship and warranties
• Contents of your customer's vehicle
• Parts & labor

How to Connect with a Tennessee Independent Insurance Agent

In Tennessee, there roughly 603,310 small businesses in existence. It can be challenging to understand all that your shop needs for proper protection. A trusted adviser can help review your commercial policies for gaps and get you the correct limits for garage keepers insurance.

A Tennessee independent insurance agent will have access to multiple carriers at once so that you're fully insured. They'll do the shopping for free, making it easy. Connect with a local expert on trustedchoice.com for tailored quotes in minutes.