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Parking companies need insurance that protects all aspects of their operations.
Fill out quote form. Parking quote form is tailored to meet the unique needs of parking companies combining  Commercial General Liability and Garage Keepers Legal Liability with extended coverage's if necessary to this class of business.
Important Considerations for Valet Services

When you are preparing to start a valet service at your restaurant, hotel or other facility, here are some things to keep in mind:

  • Legal concerns: It may be wise to work with an attorney to draft your valet policy and determine how to clearly communicate driver and valet responsibility to your patrons. Remember, it is illegal to require that your customers use your valet parking service.

  • Safety issues: One of the most important steps you can take is to develop safety standards for your company, for your hired valet service (if applicable) and for your hired drivers.

    • Consider requiring driver safety training.

    • Carefully screen drivers you hire to ensure each driver has a valid driver's license, a clean driving record and excellent experience.

    • Develop parking and traffic protocols that reduce the risk of accidents and injuries. Signage, use of orange cones and parking arrows can dramatically reduce the risk of incidents.

  • Additional coverage: Fully consider your risks when working with your insurance agent. With hired drivers who are working as quickly as possible to help move vehicles efficiently and earn tips, there are many opportunities for mistakes. Discuss additional coverage, such as a business umbrella policy. This coverage can provide a safety net of excess liability insurance in the event of a catastrophic incident resulting in serious injuries or fatalities.

Working with a local independent agent who will get to know your business can help ensure that you are properly covered, and that you find the best possible coverage for your needs and budget.

What Does Good Valet Parking Insurance Cover?
  • General liability: This covers any injury to a person or their property that is caused by a valet attendant. This includes direct injuries caused by the driver striking a pedestrian.

  • Garage keepers liability: This covers any damage to any vehicle in the parking lot that is under the care of the valet company. It includes collisions or vehicle theft for any vehicle that is in their "care, custody, and control."

  • Workers compensation: This policy provides medical and disability coverage for valets and other employees for job-related injuries or illness. It also provides some reimbursement for lost wages during recovery.

What Valet Parking Insurance Does Not Cover
  • Vandalism or theft: If your valet staff properly parked and locked a car, and the vehicle is stolen or vandalized, your company will typically not be held liable. Under this circumstance, the driver's personal automobile insurance would cover damages.

  • Weather related damage: Your company or valet service is not liable for damage from windstorms, hail, lightning, flooding or falling objects, unless you promise covered parking and then the vehicle is damaged while parked in an open parking lot.

  • Theft of contents: It is a good idea to mention on signage and parking stubs that your company or valet service is not responsible for personal property left in vehicles.

Avalable Coverages

Commercial General Liability & Garagekeepers Legal Liability:

  • CGL Limits: – General aggregate limit (per location): $2M

  • Premises/Operations limit: $1M

  • Products/Completed Ops agg. limit: $1M

  • Personal and Advertising Injury limit: $1M

  • Damage to Premises Rented to You limit: $500K GKLL Limits: – Per-vehicle limit: Up to $250K

  • Per-location limit: $1M

Excess Liability (including GKLL)
Automobile Liability and Physical Damage
Crime/Employee Dishonesty
Workers Compensation

Why Valet Parking Insurance Is Important?

Valet parking has grown considerably in popularity within the United States over the past twenty years. Not only has parking space become more limited, but more people who go to restaurants, hotels, and even hospitals are willing to pay a service to park and attend to their cars. On the downside, the rates of accidents, vandalism, theft and other incidents have also increased. If you offer a valet service to patrons, guests or patients, be sure to talk with an agent about your valet parking insurance needs.

An independent agent Univision Insurance can help to assess your needs and risks, and supply valet parking insurance quotes from multiple insurance companies for you to compare. Call us today to ensure that you are properly covered with an affordable policy.

If you have questions, feel free to contact us. Our agents can help you find a Workers' Comp policy that covers your business's risks and adheres to your state's regulations.


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