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Auto Repair Shop Insurance

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Auto Repair Shop Insurance

Protect your auto repair business from unexpected damages with Auto Repair Shop Insurance. Keep your business running smoothly and stress-free!

As an auto repair shop owner, you understand the importance of keeping your customers' vehicles in shape. However, many risks and challenges come with running an auto repair shop, including accidents, property damage, and liability issues. That's why having proper insurance coverage is crucial for protecting your business from unexpected events and financial losses.

Who needs Auto Repair Shop Insurance?

Businesses with a physical location such as a garage, parking lot, or storage area used to repair or store vehicles usually need garage insurance. This includes:

  • Automotive repair shops
  • Body shops
  • Tow or impound lots
  • Muffler shops
  • Transmission shops
  • Auto dealerships
  • Tire and battery repair facilities
  • And many more

Here are a few of the key benefits of Auto Repair Shop Insurance:

  1. Protection against liability: Auto repair shop insurance can protect you against any legal liability that arises from accidents or damage caused to vehicles or property during repair work.
  2. Coverage for employee injuries: Auto repair shop insurance can cover your employees in case of an injury or illness, including medical expenses, lost wages, and disability benefits.
  3. Protection for your property: Auto repair shop insurance can cover repairing or replacing tools, equipment, and other property in the event of theft, vandalism, or damage.
  4. Coverage for business interruption: Auto repair shop insurance can help cover the cost of lost income and expenses if your business is forced to shut down temporarily due to a covered event, such as a fire or natural disaster.
  5. Peace of mind: Having auto repair shop insurance can provide peace of mind knowing that your business is protected against unexpected events that can lead to financial losses.

With Auto Repair Shop Insurance, you can know that your business is protected from the unexpected. So don't wait until it's too late – get a quote today and start protecting your business.

Click And Learn

Business property
Commercial General Liability
Business Auto
Workers’ Compensation
Property of others

Business property insurance coverage

Risk Factors

It protects you if a fire, vandalism, smoke, theft, or other event damages your property.

Solution

It covers lost inventory, office equipment, computers, and more. Most business property policies also include business income coverage. This pays for rent, employee salaries, and other expenses if your shop must close temporarily due to an unforeseen disruption.

Commercial general liability coverage

Risk Factors

It protects most basic liability issues that a garage or auto repair shop could face.

Solution

It protects you from the costs of lawsuits related to accidents, property damage, and various other mishaps. In addition, you will likely want to consider garage liability insurance, which provides several forms of liability insurance more specifically designed for the needs of garage and auto body shop owners.

Business auto insurance coverage

Risk Factors

Auto repair shops need to cover any vehicles that their business owns.

Solution

This covers all your business auto like Towing vans, vans, etc. In addition, you need non-owned auto insurance if you have employees who drive their vehicles for business purposes.

Workers’ compensation insurance coverage

Risk Factors

Accidents happen, even in the safest workplaces. Auto repair shops are dangerous places, particularly for the employees who do the work.

Solution

Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

Property of others coverage

Risk Factors

An employee gets into a fender-bender while test-driving a customer vehicle he just serviced and damages their vehicle.

Solution

This coverage protects the business from associated liability. Depending on how the insurance policy is written, damage to your client’s vehicle is usually provided under the garage keepers portion of the policy.

Already have Auto Repair Shop Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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