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Commercial parking lots and valet: Who pays for auto damage?

Here's what you need to know about auto coverage when a loss occurs during valet service or while the vehicle is parked in a commercial lot.

By FC&S Editors | Updated on November 15, 2017
With regards to commercial parking lots, the garagekeepers legal liability coverage dictates that the insured is legally liable for loss to a covered auto in that parking lots. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: We have a golf course client that purchased Garagekeepers Coverage (CA 99 37 10 13) with direct, primary Comprehensive. The reason for buying the coverage was to cover cars in the club’s valet parking lot, but there’s nothing in the policy or the form to distinguish between valet parking and any other kind. The club has one big parking lot with a portion marked off for “Valet Parking Only,” but there’s no barriers or fences to separate one kind of parking from another.

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