Auto Repair Shops Insurance
When running an auto repair shop, your job is to keep your customers on the road and in a safe vehicle. We, as an insurance agency, have a commitment to help you stay in business. Like any job, sometimes it can only take one moment for the unexpected to happen and before you know it, your business might be the one in need of a repair. Having a great auto repair shop insurance coverage will help keep your auto repair center working like a charm.
Garage Liability Insurance (Business Liability)
Just like regular business liability insurance, a garage liability insurance policy protects an auto repair shop from lawsuits and medical costs arising from the injury of someone while on the premises. Unlike regular office buildings, auto repair shops often have more critical injuries, so special liability policies are included to provide the required protection for your company.
Garage Keepers Insurance
Apart from liability coverage, that protects you from lawsuits, you still need coverage that protects your customers’ cars, while they are at the auto repair shop. There are many options for protection available, some of them are limited protection and full protection. Limited protection covers only damages for which you’re legally responsible, while full protection covers everything regardless of legal liability.
Business Auto Insurance
Normally when work has been done to a car it needs to be test-driven to ensure that it’s working correctly. Whether it’s done by you or your employees you will definitely need to have a commercial auto insurance policy. That will protect your employees, your customers’ car, and your business if the unexpected occurs. Business auto insurance also protects your employees when they need to go for lunch or to pick up parts for a car and get into an accident.
Business Interruption Insurance
Business interruption insurance, also known as loss of income insurance, helps keep you in business when something unexpected happens. If something very bad happens and your entire business is ruined, you’ll obviously still need to pay the bills, including paying employee wages, rent or mortgage, suppliers, taxes. And you’ll presumably need to provide yourself some income too. Business interruption insurance can help keep your business afloat as well as pay for a temporary site if necessary.
Workers’ compensation insurance helps cover the medical expenses and a percentage of lost wages for an employee who got injured during work or becomes ill.
Discover if you’re eligible to include workers’ compensation coverage in your Auto Repair Shop Insurance package.
Business Property Insurance
This insurance protects your auto repair shop against damages to your property from earthquakes, fire, vandalism, storms, theft, and accidents. The property includes more than just the building; it includes outdoor fencing, signage, furniture, or inventory.
Property and Equipment Insurance
Apart from business property insurance, that protects your auto repair shop’s building, you’ll still want to have extra coverage for specific equipment in case of power surges, burned-out motors, mechanical breakdowns or if your employee makes a mistake that causes the equipment to fail.
There are even more insurance options available for your auto repair shop that we can tailor to your unique needs. In addition, we can provide:
- Portable tools and equipment coverage
- Group health and life insurance
- Business Continuation Insurance
- Employment practices liability insurance
Call us so we can help you get your auto repair shop properly insured.