Valet Service Insurance in California

✆ Call An Agent Now ➜

9:00am - 6:00pm Mon-Fri 

Request an Assessment

Will Reply in 15min*

Top 3 Recommended Policies

By: Vernon Williams

Owner of The BFIS

888-412-7630

You have successfully started a valet service in California. You have hired the right staff, invested in the necessary equipment, and acquired clients. But do you have the necessary insurance for your business?


Here at Brighton Financial and Insurance Services, we understand the importance of having insurance for your business, especially when it comes to valet services in California. Our experienced agents can help you identify which type of coverage is right for your unique needs.


Use our online California Valet Insurance Calculator to determine the insurance needed for your valet service in California. You can also contact one of our agents to discuss any questions you may have about the business insurance coverage available.



Common Risks of Valet Services in California



Valet services face a unique set of risks due to their nature. Common types of risk include:


Liability for damage to customer vehicles or property

Property damage to the valet’s premises or equipment

Injury to guests and workers due to accidents while parking, retrieving, or returning vehicles

Theft of customer possessions from vehicles

Injury to guests and workers due to slips and falls in the valet area

Injury to guests and workers due to inadequate security or crime in the parking area

Damage to vehicles while they are under the control of the valet service

Injury to guests and workers due to improper vehicle loading or unloading

Accidents caused by inexperienced or untrained valet workers

Injury to guests and workers due to faulty vehicle navigation systems


Other risks may also be applicable, depending on the type of valet service and the specific location.

Who Needs Valet Insurance in California?



Valet services should purchase insurance for specific risks. Generally, any business providing valet services in California should consider the following:


Hotels, resorts and other hospitality businesses providing valet services for their guests.

Airports, train stations and other transportation hubs providing valet services for travelers.

Restaurants, nightclubs and other entertainment venues providing valet services for their guests.

Shopping centers, malls and other retail locations providing valet services for their customers.

Corporate campuses and office buildings providing valet services for their tenants.

Associations, clubs and other organizations hosting events requiring valet services.

Car dealerships providing valet services for their customers.

Medical centers, hospitals and other healthcare providers providing valet services for their patients.

Wedding venues and banquet halls providing valet services for their patrons.

Apartment complexes and other residential facilities providing valet services for residents.


It is important to note that while insurance may be required, it is not the only safety measure needed. Valet services should also follow any applicable laws and take steps to minimize risks.

Valet Insurance Coverages for California


Insurance companies typically offer coverage packages that include the following components:


Business Auto Liability Insurance


For many valet services, investing in business auto liability insurance is a must. After all, when handling customers' vehicles and navigating the roads to get them parked or retrieved in a timely manner, a certain level of risk is always present. Quality auto insurance coverage thus provides peace of mind for both the valet service and its customers. 


In addition to protecting the vehicles that are parked or driven by the service, this type of insurance can also cover any medical costs or legal fees associated with an accident. With reliable business auto liability coverage from a trusted provider, valet services can operate with confidence - knowing that their bottom line is safe no matter what life throws their way.


Garage Keepers Liability Insurance


Garage keepers' liability insurance is also important for valet services. This type of coverage provides protection from any damage to customer vehicles that occur while they are parked or in the control of the valet service. This insurance also covers any personal items that may be left inside a parked car.


General Liability Insurance


Valet services should also invest in general liability insurance, which provides financial protection for the business in the event of an accident or injury to another party. This coverage can also help protect against any claims of property damage due to negligence, as well as lawsuits involving personal injury.


Workers' Compensation Insurance


California law requires valet services to have workers' compensation insurance to protect their employees in the event that they are injured while on the job. This type of coverage helps to cover medical expenses, lost wages and other costs associated with an employee's injury or illness.


Commercial Property Insurance


Commercial property insurance helps protect businesses that offer valet services from physical damages or losses while they are responsible for the vehicle. From damaged vehicles to lost keys, having this kind of coverage can help alleviate the financial burden in the event a claim is filed. 


In addition to this protection, commercial property insurance also offers a range of other benefits that are specifically tailored to meet valet services' needs, including coverage for fire, floods, and natural disasters. Investing in commercial property insurance is an important step necessary for businesses that offer valet services, giving them peace of mind while they offer their customers the best possible service.


Loss of Income Insurance


Loss of income insurance is an important form of protection for valet services. In the event that a business is forced to close due to an accident or other unexpected event, this type of coverage can help them recoup any losses that occur during that period. Furthermore, it can also help bridge the gap between income levels before and after the incident.


Choosing a policy that provides adequate coverage for their services is essential for businesses that offer valet services in California. Working with a trusted and experienced insurance provider can help ensure the business gets the best coverage.

Exclusions and Limitations


It is important for valet services to recognize that even the best coverage may not cover every eventuality. It is thus essential to read and understand the terms and conditions of their policy to be aware of the limitations and exclusions that apply. Generally, these include:


  1. Damage or loss resulting from an act of war or terrorism
  2. Loss caused by intentional damage to the vehicle
  3. Damage or loss due to mechanical or electrical breakdowns
  4. Damage or loss as a result of any illegal activity
  5. Loss caused by the use of any illegal substance
  6. Damage or loss due to natural disasters, such as earthquakes and floods
  7. Loss due to wear and tear on vehicles
  8. Damage or loss of personal property within the vehicle
  9. Injury to any person while in the control of the valet service
  10. Damage or loss due to a breach of contract or agreement.


Understanding the limitations and exclusions of their policy is essential for any business that offers valet services. This can help them make the right decisions in order to invest in the most comprehensive coverage for their needs.

How Much Does Valet Insurance Cost in California?


The cost of valet insurance in California can vary greatly depending on the type and amount of coverage a business chooses. Generally, businesses should expect to pay around $50-$80 per vehicle they are responsible for, per month. This is a small price to pay for the peace of mind knowing that any potential risks associated with their valet services are covered.


Having the right insurance coverage is essential for businesses that offer valet services in California. It not only protects them from any potential liabilities that may arise but also helps to ensure their customers get the best service possible. With the right coverage in place, businesses can rest easy knowing they are protected.

Lowering Your California Valet Insurance Costs


There are several steps businesses can take to lower their insurance costs. One way is to think about ways to reduce the risk associated with valet services. This may include training employees to operate vehicles properly, use secure parking lots, and implement safety protocols. Additionally, there are several steps businesses can take to lower their insurance premiums:


  1. Shop around for the best rates from different providers.
  2. Ask about discounts for multiple vehicles.
  3. Increase deductibles to lower premiums but be prepared to cover the difference in the event of a claim.
  4. Make sure to properly maintain vehicles and document all repairs.
  5. Take advantage of any safety protocols offered by the provider as these can reduce premiums.
  6. Consider purchasing a liability policy that covers only the valet service, not any other services provided by the business.
  7. Make sure to always follow all applicable laws and regulations related to valet services in California.
  8. Bundle other types of insurance such as general liability and workers’ compensation with a valet policy.

Compare California Valet Insurance Quotes


To get the best rates for valet insurance in California, comparing quotes from different providers is important.


Brighton Financial and Insurance Services eases the burden of finding the best coverage for businesses by providing free, no-obligation quotes from a variety of providers. We make it easy to compare and find the right policy for your needs at a price that fits your budget. Contact us today to get started!

Request A Valet Service Insurance Quote

Get Started Today!

We'll Reply in 15min or less*

Contact Us

*Response time varies based on hours of operation

Share by: