A few insurance questions

[MaxWax]

I recently made MaxWax Auto Detailing LLC a legitimate company and bought a trailer, naturally my next step was to seek insurance, something I didn't really think would be an issue. After trying 3 different insurance agencies I finally found one that would do a small business. Today, they called and said that getting general liability insurance probably wouldn't be an issue but since I'm sixteen years old, none of the companies were willing to do garage keepers insurance. Will it be a big pain down the line if I don't have garage keepers? Do any of you make due without it? Any input would be appreciated.

Regards,

Max

[dad07]

from the way I understand it IF you are not operating the customers car you do not need garage keepers Ins.( this is what my agent told me)

Your liability will cover anything else.

If I'm wrong sorry but thats how it was explained to me.

[tuscarora dave]

If you'll be driving the client's car you better seriously look into some garage keepers coverage. If you won't be driving the cars at all then you may want to sit a grand off to the side in a piggy bank to cover any panels that you may screw up. I've had a few minor incidents in the past where I had to have a panel repainted for a client and both times, the repair bill was just shy of my garage keepers deductible so the garage keepers (for me) so far has been a useless waste of money. Now if you'll be working on exotics, antiques or show cars with super expensive paint jobs you may want to have a few of those piggy banks set aside.

[rsav]

What he said. Garage keepers covers the customers car if you damage it. Get the max liability you can afford.

[CamaroSS27]

Good info, I have been thinking of starting something very similar!

[MaxWax]

So if I were to do something like burn through clear coat, would general liability insurance cover that?

[FUNX650]

....I'm sixteen years old....

Stated Age in this Post:
16

Stated Age Per your Mini Statistics:
Date of Birth
July 8, 1990 (21)

I hate when that type of discrepancy happens...Don't you? What gives?

[MaxWax]

Stated Age in this Post:
16

Stated Age Per your Mini Statistics:
Date of Birth
July 8, 1990 (21)

I hate when that type of discrepancy happens...Don't you? What gives?

To be perfectly honest, some forums don't allow users under 18. I don't think the fact that I'm 16 makes me any less of a positive contributor to the forum than you or anyone else on AGO. So I was dishonest and for that I apologize.

[tuscarora dave]

So if I were to do something like burn through clear coat, would general liability insurance cover that?

Nope, that's what the garage keepers policy covers. The general liability would cover the customer's house if you were there doing a job and while you were at lunch your faulty electrical cord burned down their house, or if you had a tangled up mess of cords laying about and the client got all tripped up in them and fell and broke a hip it would cover their medical bills and pain and suffering etc.

[Paul Mitchell]

So if I were to do something like burn through clear coat, would general liability insurance cover that?

Burning through clear coat would not be covered under a general liability policy as there is a "care, custody and control" exclusion that excludes damage to the property, in this case the automobile, that you are working on. You would need a garage keepers liability policy to protect you from damage to property in your care, custody and control.
Hopefully your age won't make a difference to AG as you appear to be wise beyond your years. I'm also hoping they won't exclude old guys as I'll be 65 in three weeks.