What insurance does a parking lot attendant / valet need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to parking lot attendant / valets — what each one covers, whether it's required, and what you should expect to pay in 2026.
Garage LiabilityRequired
$60–$150/mo
Core protection for valet operations. Covers customer injuries and property damage at your parking facility.
Garagekeepers InsuranceRequired
$80–$200/mo
Covers customer vehicles against damage and theft while in your care during valet operations.
Commercial AutoRequired
$80–$200/mo
Covers accidents caused while moving customer vehicles in the parking facility.
Crime Insurance
$20–$50/mo
Covers employee theft of customer vehicles, keys, and personal property.
Advertisement — In-Content
Top risks for parking lot attendant / valets
- Vehicle damage during parking
- Vehicle theft from lot
- Key loss or unauthorized use
- Customer injury in parking area
- Vehicle accident while moving cars
How much does insurance cost?
Most parking lot attendant / valets pay $150–$400/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
What if a valet damages a customer's car?
Vehicle damage during valet operations is covered by garagekeepers insurance. This is the most frequent and important claim type for valet companies.
What if a car is stolen while in our valet custody?
Vehicle theft while in your care is covered by garagekeepers insurance. Without it, you're personally responsible for the full value of any stolen vehicle.
Do we need separate coverage for each event location?
Most valet liability policies cover your operations at multiple locations. Confirm with your insurer that off-site event locations are included in your coverage territory.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most parking lot attendant / valets can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.