Their keys, their cars, your responsibility.
Coverage for valet companies serving restaurants, hotels, hospitals, events and residential buildings.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Garagekeepers is the heart of it
The moment an attendant takes the keys, the car is in your care. Garagekeepers legal liability covers damage to customers' vehicles while you park, store or drive them, and garage liability covers injuries and damage from your operations. Restaurants, hotels and venues usually require both before signing a contract.
Many cities require valet operator permits with proof of insurance, and venues often ask to be named as additional insureds. I place valet coverage with markets that write garage and parking operations.
- Garagekeepers legal liabilityCustomers' cars in your care.
- Garage liabilityInjuries and damage from your operations.
- Hired and non-owned autoAttendants driving customers' cars.
- Workers' compAttendants and supervisors.
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.
- Locations: venues served and cars parked per week.
- Parking: where cars are parked and how keys are secured.
- Vehicles: typical and highest vehicle values.
- Staff: attendants, driving records and payroll.
- Contracts: venue and city insurance requirements.
- History: current policies and claims.
Valet parking insurance, answered
What is garagekeepers insurance?
Coverage for damage to customers' vehicles in your care, custody or control, such as while parked or being driven by an attendant.
Do cities require valet insurance?
Many cities require a valet operator permit with proof of insurance. Send me the requirements and I'll match them.
Are high-end cars a problem?
Luxury and exotic vehicles raise the limits you need. Tell me the highest-value cars you park.
What do underwriters rate on?
Locations, volume, vehicle values, parking arrangements, staff and claims history.
Do you offer valet parking 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.
Tell me about your locations. I'll shop it.
Your venues, weekly volume and vehicle values 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.