1. Are guests’ cars covered while in your custody?
General liability policies may not cover vehicles your staff are driving or parking. Ask your broker specifically about cover for customers’ vehicles in your care, custody and control.
2. Read the exclusions
Look for exclusions covering unlicensed drivers, cars parked on public roads rather than your premises, and theft where keys were not kept securely.
3. Keep records insurers will ask for
Insurers will want to know who had the car and when. A valet system that records each step (ValetBee keeps a time-stamped timeline per ticket) helps, as do condition photos taken at drop-off.