There are many different types of coverage that auto garage shop owners may need, including:
Garagekeepers liability insurance—This coverage is designed for businesses that offer towing, operating service stations and store vehicles. It protects customers’ vehicles while they are kept at the shop.
Garage general liability insurance—This type of coverage is a type of commercial general liability insurance that covers typical incidents that could occur in a garage, such as a customer slipping in a puddle of oil.
Commercial property insurance—This type of policy can protect your business from various exposures common in auto garage shops, such as flammable chemicals and materials used for repairs.
Commercial auto insurance—This type of coverage protects businesses that use vehicles for commercial purposes, such as towing or providing mobile auto repair services.
Equipment breakdown insurance—This coverage protects key machinery like jacks and lifts in case they must be repaired so that your shop can continue normal operations.
Business interruption insurance—This coverage can assist policyholders in the event that operations are interrupted for various reasons, such as fires, part recalls or natural disasters.
Environmental liability insurance—This type of coverage protects shops in the event that they are responsible for an environmental incident that incurs fines or cleanup costs.
Workers’ compensation insurance—This coverage protects businesses in the event of a workers’ compensation claim being filed. Auto garage shops face a wide variety of risks related to workers’ compensation, such as shocks, burns, hearing loss, heat exhaustion and musculoskeletal disorders.
Your auto garage shop may also find it advantageous to acquire a business owners policy (BOP). This type of package includes a number of key insurance coverages under a single premium. However, shop owners must be aware that a BOP may not include every type of protection their shop might need. Your Jean Deese Insurance agent can help you assess your shop and provide insight into recommended policies.