When you run an auto repair service business, you have a special relationship with your customer. For some people it’s just a car, for others, it’s a prized position. Regardless of how they feel about their car, they trust that you’ll take care of it, and make sure it’s safe.
As much as you would like to think that everything always goes as planned. Things can go wrong from time-to-time. A service technician could make a mistake while repairing a vehicle. Your tools or equipment could be damaged or stolen, or you could have an accident with your customer’s car while on a test drive. When something unexpected happens, a good garage keepers insurance policy could help you remedy the situation.
Automotive Services Insurance Coverage
Integrity Insurance Agency insures a variety of automotive related service business including auto dealerships, transmission shops, and auto body repair shops among others. As you might expect, many of these business need similar protection as well. Some of the coverages required include, but are not limited to:
Garage Liability Insurance – This coverage financially protects an auto repair shop against lawsuits and medical costs due to injury of a customer while on the premises.
Garage Keepers Insurance – This policy offers financial protection for your customers’ vehicles while they are at the auto repair shop, in case an accident occurs or the car is stolen.
Business Auto – Depending on your services, you may have company cars, including tow trucks, flat beds or emergency roadside assistance vehicles.
Non-Owned Auto – This type of policy offers financial protection if an employee has an accident while test-driving a customer’s vehicle following a service appointment, among other situations.
Business Crime – This type of coverage will help pay for losses resulting from criminal actions, such as employee theft or robbery by a third party.
Additionally, you may need other types of business coverage, such as workers’ compensation and professional liability, and pollution insurance. Take a look at our commercial insurance policies and business owners policies for more information.
Bundle Policies for Auto Repair Shop Insurance Savings
As with Personal Insurance, Integrity Insurance Agency offers a variety of commercial policies and discounts may be available when you bundle your commercial insurance policies together. We can also work with your business to reduce your workers compensation costs by reducing risk and improving safety. Be sure to ask us about bundling discounts and risk management services to see how much we can save your business!
Contact Integrity for an Auto Repair Shop Insurance Quote
Integrity Insurance agents can provide you with a free auto repair shop insurance quote as well as offer advice on your coverage options and make some recommendations for your business. Our experience within the automotive industry will help identify your exposures, and find the right insurance policy to best financially protect your auto-related business. Contact Integrity today to begin your no obligation insurance quote.