Protecting Your Small Business – Auto Repair Shop Insurance
Changing oil. Rotating tires. Replacing brake pads. You do whatever it takes to keep your customers on the road. But what would happen if a car caught fire in your shop, or a pipe burst in your office space? We know you’re great at fixing things, but sometimes, there’s too much to handle. That’s where we come in.
Auto mechanic insurance is designed to protect auto repair shop mechanics and mobile mechanics from costly liabilities that result from unexpected accidents such as customer injury, employee illness and property damage. Adequate insurance coverage can safeguard your small business from the financial risks associated with lawsuits and claims.
Basic auto repair business insurance:
Garage Liability: Protects auto repair shops from liabilities like damages caused by faulty work and customer slips and falls. It doesn’t cover your building or mechanic tools, so you’ll want to consider property and equipment insurance if you’re needing protection for these types of assets.
Garage keepers Legal Liability: Coverage if you’re found responsible for the physical damage of a customer’s vehicle while it’s in your care, custody and control.
Other mechanic shop insurance you might need:
Commercial Auto: If you’re a mobile mechanic, or use vehicles for your business, you’ll need a commercial auto policy. We insure vehicles common to auto repair businesses such as pickups and tow trucks.
Workers’ Compensation: Protects if your employees become injured or ill while at work.
General Liability: Mobile mechanics typically don’t have business property, but still need basic liability protection in case they cause bodily injury or property damage in the course of their work.