Shopping for commercial garage insurance in Louisiana is super easy and convenient when you contact Jeff Davis Insurance at 337-824-4455.
As a leading independent agency in Louisiana we offer garage insurance for mechanics, auto body repair, and dealerships throughout the state.
Auto Garage Insurance Louisiana – Is This Covered by My Policy?
Insuring your business can be tricky especially if you do not pay close attention to what is covered or not covered by your Louisiana garage insurance policy. Will your garage insurance policy cover every situation?
Let’s examine a claim scenario to see how coverage may or may not apply.
Bobby Henderson the owner of Henderson’s garage needs at least two new mechanics for his busy garage and seems to be having trouble finding good ones to hire.
Bobby decides to take a chance and hire Jerry Shortcut.
Bobby was a little uncertain about Jerry because he had I spotty work history plus he really didn’t have much experience working on vehicles but he decides to give Jerry a shot.
Bobby has Jerry work with one of his more experienced mechanics Don.
Previously Jerry failed to clean up an oil spill that caused one customer Mildred to fall on her back earlier in the day.
Naturally Jerry didn’t want to fess up to his mistake but his last name rightly describes his personality. Jerry takes shortcuts on everything and tries to work as little as possible.
Don instructed Jerry repeatedly about the importance of making sure he is careful as he drives cars over the Oil changing pit to give the oil techs a heads up to avoid accidental injuries.
Jerry sees a customer pulling up for an oil change and he notices that it’s almost break time so he gets in the customers car and drives the car over the oil pit failing to warn Steve. Steve sees the car coming at the last second and ducks but it’s too late Jerry runs over Steve’s left hand crushing it.
The accidental injury could have been far worse. The bad news is that Steve will likely never be able to have full use of his left hand due to the injury. Jerry of course is immediately fired and Steve hires an attorney to sue Henderson’s garage for unsafe working conditions.
Will the Henderson’s garage insurance policy provide coverage for this million dollar lawsuit?
We will discuss the answer in our next post.
Great Rates on Garage Insurance in Louisiana – One Call Away!
With Jeff Davis Insurance you will receive more than a good price on your business insurance needs. Call us today at 337-824-4455 when you’re shopping for Louisiana garage insurance.
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