Garage Coverage

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.

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).

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.

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 protects your garage, automotive collision repair center, or car dealership against various types of physical losses. This coverage is important because it protects 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.

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.

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.

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 and 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.

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.

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.

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.

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.