Insurance for Automotive Repair & Maintenance

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:

• Vehicle Damage: Customers leave cars and trucks in your care for the day or overnight. If an employee wrecks a car on a test drive or somebody breaks into it, the customer can sue you for the damage.
• Mechanic Errors: Mechanics and auto technicians often offer a multipoint inspection of their services. If you overlook a safety problem that leads to an auto accident, you are responsible for the damages.
• Employee injury: Mechanics use the same tools and hand movements for a number of projects. Repetitive motions like these can lead carpal tunnel which is often considered a work-related injury.
• Cyber Breaches: Hackers attack businesses big and small. Plenty of auto repair and maintenance shops store client information on computer systems including names, addresses, email, and payment methods. If your computers were compromised, how would you pay for the mandated notices, investigation, and any lawsuits that arise?

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.