Looking for Valet Car Services Insurance?
Protect your valet service from vehicle damage, accidents, liability claims, and theft. Get coverage for valet parking operations, event valet services, and parking management companies.
What is Valet Car Services Insurance?
Valet parking insurance protects service providers from vehicle damage, accidents, theft, and liability claims. Coverage includes garage liability, garagekeepers coverage, and hired auto liability. Venues, hotels, and events require proof of insurance before valet service contracts.
Garagekeepers Coverage:
Protection for customer vehicles in valet care, custody, and control.
Garage Liability:
Covers accidents and property damage during valet operations.
Hired Auto Liability:
Protects against liability while driving customer vehicles.
Certificates:
Fast proof for venues, hotels, and event organizers.
Who Needs Valet Car Services Insurance?
- Valet Parking Services : Businesses requiring specialized insurance coverage
- Hotel Valet Operations : Businesses requiring specialized insurance coverage
- Restaurant Valet Services : Businesses requiring specialized insurance coverage
- Event Valet Companies : Businesses requiring specialized insurance coverage
Why Harper?
Valet Services Expertise
We understand valet operation risks—vehicle damage, accidents while driving customer cars, theft, and key liability. Get coverage for hotel valet, restaurant valet, or event services.
Fast Proof for Venues
Hotels and event venues require insurance before valet service contracts. We deliver certificates quickly with the required endorsements.
Clear Simple Guidance
We explain garagekeepers, garage liability, and hired auto coverage for valet operations clearly.
Tailored to Your Services
Match coverage to your valet—hotel operations, restaurant services, event valet, or full parking management.
Frequently Asked Questions
What insurance do valet services need?
Valet operations need garagekeepers coverage protecting customer vehicles from damage, theft, or loss while in valet possession (including while parked and during driving), garage liability for third-party injuries and property damage from valet operations, and hired auto liability covering valet attendants while driving customer vehicles. General liability covers non-auto operations like pedestrian injuries in valet areas, while workers' compensation covers valet attendant injuries. Crime coverage addresses key and vehicle theft by employees.
Is valet parking insurance required?
Hotels, restaurants, and event venues universally require valet services to carry garagekeepers coverage (typically $1 million minimum per vehicle), garage liability ($1-2 million minimum), and add the venue as additional insured before allowing valet operations. Some municipalities require insurance for valet permits. While not universally legally mandated, no legitimate venue will allow valet services without proof of comprehensive insurance, given liability exposure from operating customer vehicles.
How much does valet insurance cost?
Small valet operations serving one restaurant or venue pay $8,000–$20,000 annually for required coverage. Mid-sized valet companies serving multiple locations pay $25,000 to $75,000+ annually. Large event and hotel valet operations pay $100,000 to $300,000+ annually. Costs depend on the number of vehicles parked annually, types of vehicles (luxury/exotic cars increase rates), number of valet attendants, geographic area, operating environments (city streets versus controlled lots), claims history, and garagekeepers' limits.
Does insurance cover vehicle damage?
Garagekeepers coverage protects customer vehicles damaged while in valet care, including damage while being driven by attendants, damage while parked in valet lots, door dings from tight parking, or damage from other vehicles in valet areas. Coverage applies when proper valet procedures are followed. However, damage from reckless driving, racing customer vehicles, or gross negligence could result in coverage denial and potential criminal charges.
Does insurance cover stolen vehicles?
Garagekeepers coverage includes theft of customer vehicles from valet possession, whether stolen by valet attendants (covered under crime/fidelity provisions), stolen from valet parking areas, or stolen after keys were left in unsecured locations. Coverage applies when reasonable security procedures are followed. Leaving keys openly accessible, inadequate lot security, or failing to report thefts promptly could complicate claims.
Can venues require high insurance limits?
Yes, luxury hotels, high-end restaurants, and events expecting expensive vehicles often require valet services to carry garagekeepers coverage with per-vehicle limits of $300,000-$500,000 or more (standard is often $100,000-$250,000 per vehicle). Venues catering to ultra-luxury clientele may require even higher limits or verification that coverage extends to exotic supercars worth $500,000+. Some require umbrella coverage providing additional limits above primary garagekeepers coverage.