INSURANCE FOR

Auto Services & Repairs

Provides essential financial protection against liabilities, property damage, and unforeseen events, safeguarding the business's assets and operations.

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INSURANCE FOR

Auto Services & Repairs

Provides essential financial protection against liabilities, property damage, and unforeseen events, safeguarding the business's assets and operations.

GET QUOTE

WHY DO

Auto Services & Repairs Need Insurance?

Insurance is a fundamental component of risk management for auto service and repair businesses. It protects against a wide range of potential risks, helps ensure legal compliance and provides financial security in case of unforeseen events or accidents.

COVER TYPES

For Auto Services & Repairs

Auto service and repair businesses need insurance to protect themselves from various risks and liabilities that are inherent to their industry.

Here are some reasons why insurance is important for auto service and repair businesses:

Business Vehicle Insurance

If the repair shop owns and operates vehicles for business purposes, commercial auto insurance is necessary. It provides coverage for accidents, property damage, and injuries that occur while using these vehicles.

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Business Interruption Insurance

If an unexpected event, such as a fire or natural disaster, causes the repair shop to temporarily close, it can result in a loss of income. Business interruption insurance helps cover ongoing expenses, such as rent, payroll, and utilities, during the downtime.

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Garagekeepers Insurance

This type of insurance protects against damages to customers’ vehicles while they are in the care, custody, and control of the repair shop. It covers theft, vandalism, fire, or other specified risks.

Public Liability Insurance

Accidents or damages can occur while working on cutomers’ vehicles and the shop may be held liable for any resulting injuries or property damage. Liability insurance, such as general liability insurance, can provide coverage for these situations.

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Business Property Insurance

Auto service and repair businesses typically have valuable equipment, tools, and inventory. Insurance coverage for the physical assets of the business, including the building, equipment, and contents, is essential to protect against risks like fire, theft, vandalism, or natural disasters.

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Cyber Liability Insurance

With increasing reliance on technology, auto service and repair businesses store sensitive customer information electronically. Cyber liability insurance safeguards against data breaches, cyberattacks, or other unauthorized access to customer data.

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Workers' Compensation Insurance

Employees may be exposed to hazardous conditions or work with heavy equipment, which increases the risk of accidents and injuries. Workers’ compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who get injured on the job.

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Garagekeepers Insurance

Public Liability Insurance

Repair shops work with customers’ vehicles and are responsible for their care, custody, and control. Accidents or damages can occur while working on vehicles, and the shop may be held liable for any resulting injuries or property damage. Liability insurance, such as general liability or garage liability insurance, can provide coverage for these situations.

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Business Interruption Insurance

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Workers' Compensation Insurance

In an auto repair shop, employees may be exposed to hazardous conditions or work with heavy equipment, which increases the risk of accidents and injuries. Workers’ compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who get injured on the job.

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SCENARIOS WHERE

Auto Services & Repairs Need Insurance

Picture a situation in which a mechanic is diligently working on a customer’s vehicle, and unfortunately, an inadvertent mistake leads to substantial damage to the car. In such a case, the customer may rightfully seek compensation for the repair costs incurred. Without the necessary insurance coverage, like garagekeepers insurance, the responsibility for covering these unexpected expenses would fall squarely on the shoulders of the repair shop.

In an auto repair shop, workers are often exposed to various hazards, such as heavy machinery, sharp tools, and potentially toxic chemicals. If an employee gets injured on the job, workers’ compensation insurance is crucial. This coverage would help pay for the injured employee’s medical expenses and provide wage replacement during their recovery.

A fire breaks out in the diesel mechanic workshop, damaging the building, equipment, and customer vehicles inside. Without business property insurance, the shop owner would have to bear the substantial costs of repairing or replacing the damaged property and vehicles. Property insurance would help cover these costs, allowing the business to recover and continue operations.

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Business Insurance

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Start Your Quote For Auto Services & Repairs Business Insurance

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