Explain who drives and who holds the keys
Valet work involves both a parking operation and customers’ vehicles. When requesting coverage, explain whether staff drive on public roads, use an off-site lot, keep cars overnight or work at temporary events. Do not assume a general business policy covers every loss involving a customer’s car.
Bring a clear picture of the operation
Prepare a list of locations, driver duties, estimated vehicle counts and values, key-storage procedures and any recent claims. Include the contract with the venue or parking-lot owner.
Ask your broker to explain:
- How the proposed policies address injury or property damage during valet operations.
- Coverage for damage to customers’ vehicles while parked or being moved, including any garagekeepers coverage and its limits.
- Whether the stated locations, driving routes, employees and subcontractors fit the insurer’s requirements.
- Deductibles, theft exclusions, vehicle-value limits and any contract requirements for additional insureds or certificates.
Request the relevant policy wording before relying on a summary or certificate. Availability depends on the operation and insurer; this checklist does not promise a specific policy or a placement through CoverToday.
Read our business insurance overview and client help center, or contact the office in English or Russian. The California Department of Insurance commercial guide explains general business-policy concepts.