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Essential coverages for your auto repair shop
When you also have equipment or operate from a garage
All Basic plan benefits and:
Optional: Garage Keepers Liability
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
Small business insurance is critical to your auto repair shop’s livelihood. It can be hard to determine which policies you need to buy. Every auto repair shop needs general liability, errors and omissions, and commercial property insurance. If you have employees you a need workman’s compensation insurance and if you store client information, cyber liability is also necessary.
Pays costs to replace or repair your business property, including building, tools and equipment after specific events like fires. You can also add business interruption insurance to help alleviate loss of income in the event of a temporary shutdown.
Accidents can happen anytime, and the damage it leaves behind can be devastating to your business especially when you don't have auto repair insurance. General Liability insurance will protect your business income from lawsuits involving physical injuries, third-party property damage and advertising mistakes that happen during your business operations.
This coverage is mandated in most states when you employ a certain number of individuals. It covers costs from work-related injuries, including loss of wages and medical bills and keeps them from being able to sue your auto shop.
Pays all costs associated with cyber breaches including notifications, investigation, and public relations services to maintain your reputation.
Protects you if you fail to provide recommendations, or recommend something that causes harm to your auto customer.
According to the Department of Transportation, the average household has 1.9 personal vehicles, and that number continues to rise making your business more important than ever. Customers need your expertise to help them maintain their vehicles and accomplish their daily tasks. As an auto repair shop owner, you work with a variety of customers every day which is rewarding, but it also increases the risks you face. Auto repair shop insurance or mechanic insurance protects your business and reputation when lawsuits occur.
This industry includes various types of shops, such as auto repair shops and garages, oil change shops, window repair services, brake shops, transmission repair shops and other businesses that focus on the maintenance and repair of different car parts. Individuals who work in this industry can include mechanics, electricians, and store clerks.
Because you work directly with customers’ valued assets, you face many unique risks including:
You need to have Auto Repair Shop insurance as your primary risk management. Ensure that your employees have adequate protection, this ensures that the dangers of working in an automotive shop are mitigated. Then protect your property from fire and the theft as both can interrupt your business productivity and lose income.
The common types of garage insurance for an auto repair shop are: Repair Shop insurance, Body Shop insurance, Radiator Services insurance, Transmission Shop insurance, Tow Truck insurance, and Muffler Shop insurance. These are just the basics, so it's best to ask your insurance provider the garage insurance you need for your shop.
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