Insurance for Parking Structures & Garages Projects
Parking garages are open to weather, road salt and constant loading, so concrete and post-tensioning problems show up years earlier than in enclosed buildings.
Repair and restoration work on existing garages adds its own exposure: you are judging hidden conditions inside concrete.
Why Garage Work Is Different
Water and chlorides reach the reinforcing steel and tendons. Cracking and spalling follow.
Ponding water speeds deterioration and creates slip hazards.
Owners rely on your survey to budget repairs. Missed deterioration becomes a claim.
Spalls over drive aisles or sidewalks can injure people.
For example: the spall over the drive aisle
Three years after a restoration engineer assesses a garage and designs repairs, a piece of concrete falls from a slab soffit onto a car. The owner and the car’s driver both bring claims, and the owner asks why the area was not in the repair program.
The assessment’s scope and sampling, what the report recommended, and whether the owner funded the recommended work decide the engineer’s share.
Hypothetical example for illustration. Coverage for any claim depends on the policy terms and the facts.
Parking Structures & Garages: Common Questions
Why do carriers ask about parking garages separately?
Garages have a long record of deterioration claims. Carriers want to know how much of this work you do and whether it is new design or restoration.
Does professional liability cover a condition assessment?
It should, as long as assessments are a described professional service. Clear scope and limitations in the report help a great deal.
What protects us most on restoration work?
A written scope that says what was and was not tested, and recommendations the owner signs off on. Assumptions about hidden conditions should be stated.
Disciplines Most Active on Parking Structures & Garages Projects.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.