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:

A) Automotive repair shops

B) Body shops

C) Tow or impound lots

D) Muffler shops

E) Transmission shops

F) Auto dealerships

G) Tire and battery repair facilities

And many more

Automotive repair shops, car mechanics, and auto body shops are not only entrusted with fixing their customers’ cars but also with keeping those cars safe while in their control. In addition, auto repair shops face the following types of business risk:

A) Slips and falls

B) Worker illness or injury

C) Faulty workmanship or parts

D) Fire, bad weather, vandalism, or theft

E) Damage to a customer’s vehicle while in your care

F) Employee theft or crime

G) Business interruption

You need a variety of business insurance policies to protect your business from these risks. In addition, garage liability insurance and garage keepers insurance help you protect your customers’ property and your business in the wake of accidents, injuries or property damage.

Since garages vary significantly in the services they provide, you must work with an independent insurance agent to determine if you need some type of specialty insurance product.

Some of the insurance coverage you should consider are

A) Business property insurance

B) Commercial general liability (CGL) insurance

C) Business owners’ policy

D) Employee theft and crime coverage

E) Business auto insurance

These special products combine relevant business insurance policies into one comprehensive package that includes coverage such as the following:

A) Tow Truck Insurance

B) Body Shop Insurance

C) Repair Shop Insurance

D) Muffler Shop Insurance 

E) Radiator Services Insurance

F) Transmission Repair Insurance

To learn more about what we can do for your auto service and repair shop, call us today!