Commercial Coverage

Garage Coverage

Automotive garages of all sizes and types, including autobody collision and repair centers, need excellent garage insurance coverage.

We Support the ASA, I-CAR, EVIT, and CREF

We believe that all businesses deserve the same attention which is why, regardless of your garage size, our dedicated team will seek to provide you with the innovative solutions you need to streamline and optimize your garage insurance coverage.

We provide a number of benefits to all clients, including:

• Assistance in meeting OSHA hazard requirements.
• Access to a best-practices safety library.
• Strategic development of a behavior-based safety program.
• Assist you in developing an effective and efficient employee training program.

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We are experienced in various business insurance coverages for garages, including but not limited to:

General Liability

No matter the size of your garage, automotive service center, or automotive dealership, you need general liability insurance. It provides important coverage for many aspects of liability or negligence that lead to third-party injuries or property damage. This coverage pays the costs of an incident up to policy limits, regardless of the outcome of your case.

 

Garage Keeper Insurance: Direct Primary

Regardless of size or location, every repair center, garage, or even simple oil change facility is required to have Garage Keeper’s Insurance. This insurance protects customers’ cars while they are in your garage, regardless of the party at fault (whether an employee or an external party).

Workers' Compensation Insurance

Workplace accidents can happen at any business and garages are certainly not immune. Workers’ Compensation Insurance protects you and any of your employees in the event that they suffer a work-related injury. This coverage ensures that your company is safe from litigation and pays for the injured employee’s medical fees and lost wages.

Commercial Vehicle Insurance

As a garage owner, you may own a tow truck, company courtesy vehicle, or other vehicles for your business, and for your protection, you need Commercial Vehicle Insurance. It is important to ensure that your policy covers both accident-related incidents and also collision and non-collision damages.

Commercial Property Insurance

Commercial Property Insurance protects your garage, automotive collision repair center, or car dealership against various types of physical losses. This coverage is important because it presents against total loss in the event of a disaster such as a fire, falling objects, or high winds, and covers things inside your business ranging from office furniture to tools, computers, equipment, and more.

 

Inland Marine

Regardless of the business size or services offered, most garages or collision centers will need to order parts or supplies from time to time. These things are often valuable and need to be protected during transit or in the process of being transported. Inland Marine insurance provides this important protection which covers many things including complete cars, diagnostic equipment, tools, parts, and more.

 

Umbrella Insurance

General insurance coverage protects against losses but its limits may not be enough to cover some losses, leaving business owners with debt they must pay out of pocket. Umbrella Insurance provides additional protection beyond your general policy limits so that if you exceed your policy maximum, your umbrella coverage will pay to its policy maximum, protecting you from paying out-of-pocket.

Professional

No business wants to be faced with a civil suit but, unfortunately, it happens often. Civil suits are time-consuming and costly but Professional insurance coverage protects both you are your business if it is determined that you are negligent and damages are awarded that you must pay. This coverage may also provide for defense costs if the legal actions brought against you are proven to be groundless.

Pollution

Garages, collision centers, and automotive shops often work with potentially environmentally hazardous chemicals which is why Pollution insurance is essential. It provides protection in the event that an accident or spill occurs that causes pollution, environmental damage, injury, or death. Pollution insurance will pay for medical expenses and damages for injuries or death related to exposures to environmentally hazardous materials for which you are deemed liable.  Additionally, it provides coverage for brownfield restoration and cleanup if necessary.

Cyber Insurance

Most modern garages store customer data including phone numbers, billing information, and payment information in a computer program or online which is why cyber insurance is so important. This coverage provides protection in the event of a cyberspace breach such as hacking, data destruction, extortion, theft, and denial of service attacks.

Employment Liability Insurance

Any garage with one or more employees should carry Employment Liability Insurance to protect both yourself and your employees. This type of insurance covers you for illnesses or job-related injuries that are not covered by workers’ compensation. This coverage may also be bundled with your workers’ compensation insurance policy for optimal coverage.

Mechanics Error and Omission

No matter how experienced or knowledgeable someone is, mistakes happen. For this reason, it is important to carry Mechanics Error and Omission coverage so that you can have peace of mind that your business is protected in the event that you are found liable for negligence related to your services.

Strong Relationships

We pride ourselves on our many strong, longstanding relationships with “A-Rated” insurance carriers and our ability to secure you the insurance you need at the best possible rates. We understand the risks you face and can help you identify potential risk exposures so that we can tailor a policy that addresses your unique needs. We also offer our clients easy-to-understand infographics and other risk mitigation tools and techniques to support safe business operations. Every automotive shop is unique which is why we will review your current policy and help you find additional, better, or new insurance coverage to minimize your risk.

Our Solutions

With modern day solutions to everyday problems, we offer:

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Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

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Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

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Apply Online

Online quick apply small contract bonds for up to $400,000

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Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.

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Our Team Strives to Improve Our Processes and Services Every Day

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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