Operations · 5 min read
Insurance and liability: what your valet vendor should carry
July 30, 2025 · AV Operations Team
A valet operator that can't produce a current COI within a business day isn't ready to work your venue. Here's what to ask for.
The single biggest risk in outsourced valet isn't a damaged car — it's a vendor that can't pay for one. Before signing any contract, request these documents.
What to require in writing
Garage-keepers liability of at least $1M per occurrence covering vehicles in the operator's care.
Commercial general liability of at least $1M / $2M aggregate.
Workers' compensation per state requirements.
Umbrella coverage of $5M or more on top of primary layers.
Certificate of insurance naming your venue and landlord as additional insureds.
Verify, don't assume
Ask for the broker's direct contact and confirm coverage is current. A premium operator will answer the call within the hour.