Your auto repair shop needs business insurance to protect your assets from risks associated with repairing other people’s vehicles. Our trusted agents will match you with the best insurance possible in your area at a great rate. There are multiple types of insurance to consider for your auto repair shop. Below is broken out into different types of insurance you may need for your shop. Our trusted team will make sure your insurance is tailored to your needs.
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Auto repair shop general liability:
General liability insurance provides protection for most basic liability issues that a garage or auto repair shop could face. It protects you from the costs of lawsuits related to accidents, property damage and a variety of other mishaps. 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.
Auto repair shop garage keepers liability:
Garagekeepers liability insurance protects you if a customer’s vehicle is damaged due to your negligence while it is in your care, custody or control. This protection is not included in the standard garage liability policy.
Auto repair shop property insurance and/or business interruption coverage:
Property insurance protects you if a fire, vandalism, smoke, theft or other event damages your property. It provides coverage for lost inventory, equipment, computers and more. Most business property policies also include business income – or business interruption coverage. This pays for rent, employee salaries and other expenses if your shop must close temporarily due to an unforeseen disruption.
Auto repair shop crime insurance:
Crime insurance coverage protects your business from the cost of theft.
Auto repair shop worker’s compensation:
Workers compensation insurance will provide benefits in case your employees are in a job-related accident. This will cover the cost of medical costs, rehabilitation and helps replace lost wages until they are able to return to work.
Auto repair shop business auto:
Chances are you or your employees are going to have to test drive the vehicles at your auto repair shop to ensure they are working correctly. In this case, you will have to have business auto insurance to protect your employees, your customers’ cars and your business in case an accident happens.
Auto repair shop property and equipment insurance:
Business property insurance will protect your auto repair shop building, you will still want to have additional coverable for the special equipment in case of a mechanical breakdown, power surge, burned out motors or if your employee accidentally causes the equipment to fail.
There are even additional options for your auto repair shop that we can customize to fit your unique needs. Professional Insurance Strategies is here to help educate and provide you with the best options for your business at the most affordable rate. Contact us today so we can get your started!
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