Parking coverage from the gate to the stall.
Premises liability for lots and structures, garagekeepers for cars you park, and crime coverage for cash handling, for operators and property owners.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Self-park and attended are different risks
A self-park lot mainly faces slip-and-fall and security claims. An attended lot, where staff hold keys or move cars, also needs garagekeepers coverage for customers' vehicles.
Property owners and management contracts often require specific limits and additional insureds. I place parking operators and owners with carriers that write the class.
- Premises liabilityFalls, lighting and security claims.
- GaragekeepersCustomers' cars when staff hold keys.
- CrimeCash and payment handling.
- UmbrellaHigher limits for lease requirements.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Location: address and type of lot or structure.
- Spaces: number of stalls.
- Operation: self-park, attended or valet.
- Security: cameras, lighting and staff.
- Contracts: owner or management requirements.
- History: current policies and loss runs.
Parking lot insurance, answered
Do I need garagekeepers for a self-park lot?
Usually not, since customers keep their keys. Attended and valet parking need it.
Are car break-ins covered?
Theft from a self-park car is usually the car owner's claim. Liability can respond if you're alleged to be negligent, such as broken lighting.
What limits do property owners require?
Often $1 million per occurrence or more, with the owner named as additional insured. Send me the contract.
Is snow or ice an issue in California?
Rarely, but oil, water and uneven surfaces cause most falls.
Do you offer parking lot and garage insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send the location. I'll shop it.
The address, number of spaces and how the lot is run are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.