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Garage Owners

The major mistake that garage owners make when deciding on insurance is when they base their decision solely on price. 
 
We get it! Premium costs are a major factor, but knowing what you are getting for that premium can literally make or break you and your business in the event of a loss. 
 
Different garagekeepers policies cover different things.
 
Legal Liability - this is typically the least expensive garage package available. It comes in to play if a customer's vehicle is damaged but the customer must prove that you are legally liable in order to recover damages from your insurance. This is not typically a good choice as it doesn't end well for your relationship with your customer.
 
Direct Excess - this is much better than legal liability because there aren't any stipulations that require your customer to prove your negligence. This coverage is only applicable AFTER the client files a claim with their own personal auto insurance carrier. If their policy doesn't cover all of the damages, then the garagekeepers policy would apply.
 
Direct Primary - This is by far the best coverage available to you, mostly because in the event that a customer's vehicle is damaged while in your possession, it removes the burden of proof from your customer. Thereby helping to retain a strong customer relationship. Basically, you, as the garage owner, are taking responsibility for any claims and you are not putting any additional burdens on your customer's to file a claim with their own insurance company. Direct primary is definitely a win-win situation.

Contact us today to learn how we can help with your business insurance needs. 
 

With Permission Insurance Information Institute, Inc.  ALL RIGHTS RESERVED 

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What Our Customers Are Saying... 

Todd M. Cary, NC

Just completed a 6 figure complex commercial renewal with Carter Glass. I've shopped other agencies, but didn't do so this year. Carter has a high level of knowledge about Commercial Insurance policies and spent many hours effectively laying out my options, costs and strategies. What I've found is a comfort level knowing I am properly insured at a fair cost. This can get so complicated that I need someone I can trust to handle it. I also moved our BCBS plan as Carter is an agent for them.

We have many certificates of insurance and items to handle on a monthly basis and the staff has handled them quickly and professionally. Same goes for Personal Insurance, but it's not quite as big a concern to me as my commercial accounts.

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Carter Glass Insurance Agency
5901 Falls of Neuse Rd.
Raleigh, NC 27609
Phone: (919) 230-8760
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