Insuranks

Valet Insurance: Cost & Quotes From $30/mo

Table of contents
1. General Liability Insurance for Valets1.1. What Are Some Common Categories of General Liability Protection?1.2. What Are the Coverage Limits for General Liability Insurance?1.3. What Are Some Add-Ons Valet Businesses Might Want?2. Professional Liability Insurance for Valets2.1. What Add-Ons Should Valet Businesses Pick Up2.2. What Are the Coverage Limits for Professional Liability Insurance?2.3. What Does a Full Valet Service Do, and Do I Need Professional Liability Protection for It?3. Public Liability Insurance for Car Valeters3.1. Why Are Public Liability Policies Less Standard for Valet Businesses?4. Commercial Property Insurance for Valets4.1. What Are the Coverage Limits for Commercial Property Insurance?4.2. Add-Ons for Commercial Property Insurance for Valet Companies4.3. What is Not Covered by Commercial Property?5. Business Owner’s Policy for Valets5.1. What Coverage Limits Can You Expect From Business Owner’s Policy?5.2. Add-Ons for Business Owner’s Policy You Want for Your Valet Business5.3. Do I Want Business Owner’s Policy with Business Interruption Insurance?6. Commercial Auto Insurance for Valets6.1. What Are the Coverage Limits for Commercial Auto?7. Garagekeepers Liability Insurance for Valets7.1. What Are the Coverage Limits for Garage Keepers Insurance?7.2. Does Garage Keepers Insurance Cover Damage Even if the Customer Has Insurance?8. Workers’ Compensation Insurance for Valets8.1. Is Workers’ Compensation Legally Required?8.2. Are Independent Contractors Covered Under Workers’ Compensation?9. Valet Insurance Cost10. Best Valet Insurance Companies10.1. NEXT Valet Insurance 10.1.1. Pros10.1.2. Cons10.2. The Hartford Valet Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Valet Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Valet Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Valet Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Valet Insurance 10.6.1. Pros10.6.2. Cons

Valets are found in hotels, resorts, and other hospitality businesses. They help sort the guests’ cars out.  It is vital for valet business owners to keep their business insurance up to date. Valet insurance is a combination of policies that protect you from medical costs and legal liabilities. Read further to know the policies included, valeting insurance cost estimates, and the best companies. 

General Liability Insurance for Valets


CoverWallet NEXT (Best)Thimble HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included


One of the most common types of valet insurance coverage is general liability insurance. This type of car valeting insurance protects your company from third parties who experience bodily injury and property damage at the hands of your business. Some situations to use this coverage include:

  • A customer slips and falls while waiting for your valet service

  • When your valet is getting a customer’s car, they damage part of the interior


What Are Some Common Categories of General Liability Protection?

The general liability policy of your valet company insurance will primarily offer the following types of protection:

Premises and operationsProtects against bodily injury and property damage from ownership and maintenance of the business property.
Completed operationsProtects against customer claims from faulty products and completed operations
Indirect/contingentCovers negligent actions of independent contractors or others related to your business


What Are the Coverage Limits for General Liability Insurance?

Valet parking insurance with general liability coverage will have a coverage limit of $1 million per occurrence and up to $2 million in aggregate. 


What Are Some Add-Ons Valet Businesses Might Want?

  • Tools and equipment insurance–Provides financial aid for tools and equipment that get damaged during covered events

  • Cyber liability–Protects your business against potential costs that come from phishing, data breaches, and cyber extortion


Professional Liability Insurance for Valets


CoverWallet NEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


Valet parking insurance coverage with a professional liability policy protects your company from legal challenges or medical expenses that occur due to an employee error. Some occasions when you can use this coverage include:

  • A valet driver forgets to lock the door to a client's car, causing some property to be stolen

  • One of your drivers parks a car in the wrong lot, which is damaged by construction nails


What Add-Ons Should Valet Businesses Pick Up

Professional liability insurance for valet parking company may be customized to include a few add-ons, including:

  • Prior acts coverage–Covers your business against perils or losses that occurred before your current policy

  • Additional insured–Lets you name additional parties to get insurance protection on your policy


What Are the Coverage Limits for Professional Liability Insurance?

Coverage limits on professional liability range from $250,000 to $2 million. Typically, you want this type of valet service insurance to settle on a $1 million coverage limit to stay affordable but remain comprehensive. 


What Does a Full Valet Service Do, and Do I Need Professional Liability Protection for It?

A full valet service fully vacuums your car and cleans all the surfaces. They will often add a leather shine and a shampoo clean service for your interior. This valet liability insurance should cover the extra services that full valet services provide in case a workplace mistake or oversight results in a lawsuit.


Public Liability Insurance for Car Valeters

Public liability insurance for car valeters acts like general liability insurance but only provides protection for claims by members of the public. Examples of when this coverage applies include:

  • A bystander gets their property damaged by a valet car.

  • A member of the public enters your valet parking lot and slips and falls


Why Are Public Liability Policies Less Standard for Valet Businesses?

Public liability insurance for car valeters is often not an option for many insurers since general liability typically offers the same coverage but is broader in scope.

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Commercial Property Insurance for Valets


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$330,000$25,000/$500,000$60,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$60,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


The commercial property coverage of your car valeting business insurance package covers damage and repairs to any commercial building and property contained within it. Some examples of situations to use this insurance include:

  • Your valet parking lot is damaged by a fire

  • Someone breaks into your commercial property lot and damages company property


What Are the Coverage Limits for Commercial Property Insurance?

Coverage limits for commercial property are determined by the value and risk of what is covered under your policy. Typically this will amount to around $60,000 but will greatly depend on the value of your commercial property.


Add-Ons for Commercial Property Insurance for Valet Companies

The commercial property coverage of your valet business insurance can have these add-ons:

  • Flood insurance–Adds protection to damage from floodwaters if your policy doesn’t automatically include it

  • Business interruption–This policy can make an excellent policy to complement your commercial property policy because it protects from more abstract outcomes of commercial property damage like lost income and relocation expenses


What is Not Covered by Commercial Property?

Any intentional harm you do to your property will not be covered by the commercial property policy in valet parking business insurance packages. Moreover, you will not be covered if you fail to maintain your property and gets subject to things like insect damage.