RRMSeptember 15, 2023 / RRMAdam Beyer

Essential Garage Insurance Coverage: Protecting Your Business

garage insuranceRunning an automotive garage involves more than car repairs – it is a balancing act of delivering quality service, protecting your business, and being prepared for the unexpected. With every business, there is inherent risk but the key to success is managing that risk. Comprehensive insurance coverage is an essential component of a long-term risk management strategy for your garage. It provides a safety net to protect you from financial strain caused by accidents, liability claims, or property damage. Understanding and choosing the right insurance coverage will help you protect your garage from potential risks. Below, we take a closer look at 3 important types of garage insurance coverage to consider when tailoring your coverage.

3 Essential Types of Garage Insurance Coverage

General Liability Insurance

Whether you have a small auto repair shop or a large car dealership, general liability insurance is a crucial part of your business’s insurance coverage. This type of insurance coverage provides essential protection in the event of liability or negligence that results in third-party injuries or property damage. Regardless of the legal outcome, this coverage will pay for the costs of an incident up to the policy limits, protecting your business from unanticipated financial burdens.

Garage Keeper’s Insurance: Direct Primary

All garages, regardless of size or location, are required to have Garage Keeper’s Insurance. This coverage protects your customers’ vehicles while they are in your garage, regardless of fault, whether it is caused by an employee or an external party. It gives your customers peace of mind by ensuring that their valuable assets are protected while they are at your facility.

Workers’ Compensation Insurance

Accidents involving employees can happen at any business, including garages. That’s why it’s important to have Workers’ Compensation Insurance which protects both you and your employees in the event of a work-related injury. It covers medical expenses, lost wages, and legal fees. It also shows your employees that you care about their well-being.

As you can see, these three types of insurance are essential for any garage business. At RRM Insurance, our insurance experts can help you choose the right coverage for your needs. Don’t wait until something happens to protect your garage – get the insurance you need today.

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When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

-Anthony N.

I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

Vivian Solorio, CFO