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valet parking insurance

Do you own a high-end hospitality establishment or operate an entertainment complex or casino? Offering valet parking is a valuable service that can attract more patrons and give your business a competitive edge. People are more likely to choose your establishment if they know they won’t have to worry about where to park. Valet parking also alleviates concerns about walking long distances in bad weather.

While offering valet parking offers many benefits, it also increases the exposure to risk. An accident involving a valet can lead to injuries and property damage. The fact that drivers are operating unfamiliar vehicles or may not always exercise caution increases the risk level for businesses. Carrying the right amount of liability insurance is essential for protecting your assets against lawsuits — if you can find a reputable insurer that’s willing to provide the coverage. XINSURANCE is here to help.

valet parking insurance

XINSURANCE: Your Best Source for Valet Liability Insurance

At XINSURANCE, we specialize in insurance solutions for risks that other insurance providers tend to avoid. We’re your source for all-in-one liability insurance plans that meet the unique protection needs of businesses that offer valet parking, as well as valet parking contractors and service providers. If you’re having a difficult time finding insurance, or if your carrier has canceled or elected not to renew your policy, we’re ready to step in and fill the void. You’ll have true peace of mind knowing that you can protect yourself and your assets if an incident occurs.

What Does Valet Insurance Cover?

Valet business insurance offers liability protection if a valet driver causes injuries or property damage. It can also cover damages sustained by the vehicle while in the valet service’s care. Specific coverages include:

  • General liability: GL insurance protects against accidents that a valet attendant causes while operating the vehicle. This coverage pays for the medical expenses of an injured party, as well as the cost to repair or replace damaged property. If the party sues you, GL will also cover your legal expenses such as court costs and attorney fees.
  • Garage keeper’s liability: This insurance covers damage to a vehicle while it’s in the parking area, or if it’s stolen from the lot. For valet service contractors, the coverage applies even if the valet company doesn’t own the parking facility or lot.

XINSURANCE can provide a liability policy with limits of up to $10 million or as much as $20 million via our reinsurance partners. Please note that we do not offer workers’ compensation insurance for valet company employees.

Valet Insurance in Action

The following scenarios indicate when valet company insurance should provide coverage:

  • You’re the owner of an upscale restaurant that employs a valet staff. After dining at your establishment, a patron notices a large scratch on his vehicle and states that it happened in your parking lot. You can file a claim under garage keeper’s liability in this situation.
  • An attendant who works for your valet company strikes a pedestrian while driving a customer’s car. Your general liability insurance will cover the medical expenses and pay for a settlement or judgment resulting from a successful lawsuit filed by the injured party.
  • A thief steals a vehicle while it is under the care of your valet service. Your garage keeper’s liability insurance will cover the loss.


XINSURANCE offers more than 40 years of expertise in providing high-risk liability insurance solutions. We’ll work closely with you to develop and implement a customized insurance plan that will help you avoid financial ruin if a loss occurs. By providing all-in-one protection that covers all your liability exposures under one policy, we’ll help you achieve true peace of mind.

Our flexible underwriting ensures you’ll get the policy limits, coverages and premiums that meet your business requirements.

If the time comes and you need to file a claim, we’ll deliver exceptional service every step of the way. Our representatives are available 24/7 to take your call and get the process started. We have an excellent track record for providing outstanding claim results, even when handling older, previously opened incidents.

About Our Valet Insurance Application Process

Applying for coverage is a fast, hassle-free process. Begin by filling out and submitting our online application form. Our underwriting staff will review your information promptly and schedule a convenient phone call to discuss the risk with you in more detail. Next, we’ll provide a no-obligation quote for your approval. If you decide to move forward, we’ll issue your new policy when you agree to the terms and pay the initial premium.

Feel free to contact us to get your free valet insurance quote today. If you already have a policy, we’ll be happy to review it at no cost to identify any coverage gaps or exclusions.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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