From accidents caused by errors when servicing vehicles, or damage to tools and equipment, you need to know you have the coverage you want for the challenges you face as an auto repair shop owner.
Insurance Options for Auto Repair Businesses
- Business Auto
Business Auto insurance can include Non-Owned Auto insurance to provide coverage if an employee is test driving a customer's vehicle following a service appointment, or when an employee is involved in a car accident while driving a personal vehicle on behalf of your business.
- Business Liability
Insurance coverage for your Auto Service and Repair business in case of accidents, mistakes or injuries that may occur on or away from your premises. Whether you need coverage for an onsite injury or technician error when a customer's vehicle is being serviced, Garage Liability insurance is crucial.
- Business Property
Don't let the future of your business be devastated by financial consequences from unforeseen events. Business Property insurance has features like Business Income insurance and Employee Tools coverage. Optional coverage includes Equipment Breakdown coverage to help protect the things you rely on each day.
- Business Crime
Business Crime insurance coverage for your Auto Service and Repair business will assist you with losses resulting from wrongdoing like employee theft of money, equipment and parts or robbery by a third party.
Towing and Service Stations
Most businesses in the auto trade need some form of garage insurance to be protected. Common types of garage insurance include
- Tow Truck Insurance
- Body Shop Insurance
- Repair Shop Insurance
- Muffler Shop Insurance
- Radiator Services Insurance
- Transmission Shop Insurance
"We insure California Garage Owners at the best prices"
Garagekeepers Legal Liability Insurance
Garagekeepers Legal Liability coverage is an optional coverage designed for business owners who offer towing services or operate service stations. It protects a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service.
Garagekeepers Legal Liability insurance provides protection in case a vehicle is damaged by fire, theft, vandalism or collision. If your business offers towing or service station services, Garagekeepers Legal Liability coverage is for you because it protects you when you are storing customers' vehicles.
Garagekeepers Legal Liability Coverage Example
You're called to tow a broken-down car late at night. The mechanic's garage is already closed, so you store the car in your shop overnight. Unfortunately, criminals break into your garage and vandalize the customer's car.
Garagekeepers Legal Liability insurance would pay to repair the damage caused to the customer's car, up to the limit you select.