Will Garage Insurance Cover My Boat Repair Shop?

Garage insurance is not only for auto body shops, though it may seem like it. With terms like “auto” and “land,” it may not seem like boats and other modes of transportation would be included. However, with the proper changes and endorsements, you can make sure that the boats, engines and other watercraft vehicles in your repair shop are covered.

If you are the owner of a boat repair shop, you may wonder how you can properly protect yourself from any liability issues. What if the boat or engine is stolen while it is on your premises? What if the boat is damaged? There are a lot of “what ifs” involved in this type of business! Luckily, you can make sure you have your garage insurance tailored at Wolpert Insurance to fit these needs.

For the best protection, it is best to turn garagekeepers liability insurance. This policy will respond to certain comprehensive and collision type claims. However, it is important that you review the terms defined in the policy itself. If you notice words such as “auto” or “land”, as we stated above, it is best to ask questions and figure out if boats and watercraft vehicles are included. These policies should be read word-for-word in order to make sure you are not relying on the wrong coverage.

To properly insure the boats in your shop, the proper endorsement would be necessary. With an endorsement, you may be able to change the definitions of the policy to fit to your specific needs. Without this, you may end up in the wrong and left without coverage.

If you have any questions, concerns or are generally confused about a policy, it is best to speak up! We are equipped with insurance experts at Wolpert Insurance. We specialize in auto body and repair facilities, which make us the go-to for any questions or confusion. We are dedicated to helping you find the best garage insurance policies for your place of business!