Auto Service & Repair Insurance protects against a variety of liabilities often faced by garage owners and repair shops. These liabilities include things like customer slips and falls or damages resulting from faulty work. A single accident can result in a lawsuit that damages a business beyond repair, so it’s important to have accurate and sufficient coverage in place.
Who Needs It?
Businesses that have 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
Garage Liability
This enhancement to commercial property-liability insurance covers damages that occur during the operation of an auto in the course of garage operations.
Garage Keepers Liability
Protects if you’re responsible for the physical damage of a customer’s vehicle while it’s in your care, custody, and control.
Commercial Property
Insure against physical damage to your business property.
Equipment Breakdown
Protect your equipment against breakdowns.
Business Auto
If you use vehicles in your business, you’ll need a commercial policy. We insure vehicles common to garage owners including tow trucks and pickup trucks.
Employment Practices Liability
Protect yourself against employee lawsuits.
Workers’ Compensation
Covers your employees’ medical costs and a portion of their lost wages should they become ill or injured on the job.
Sewer or Drain Coverage
Helps pay for cleanup if rain or a water main break causes your sewer or drain to back up into your garage.
Medical Payments
Use medical payments insurance for expenses resulting from injury to others on premises you own or rent.
Employee Dishonesty
Get coverage to help recover losses from employee theft.