Garage repair shop insurance helps keep your business running.

Help safeguard your business with garage repair shop insurance.

Insurance that’s as unique as the vehicles you work on.

As useful as standard business insurance policies may be, they aren’t always adequate for the specific risks that a garage repair shop faces. What sets your business apart from others is that you work on and store your customers’ vehicles. This exposes your business to many risk factors, but having a garage repair shop insurance policy in place may help protect your business.

Different risks than most other businesses.

At the simplest level, you need to be protected against damage to customer vehicles stored on your premises, whether it is from fire, vandalism, theft, or other hazards. You might only be doing something as simple as an oil change for a car, but if you have to spend tens of thousands replacing it, the effects could cripple your business.

   What is garagekeepers liability insurance?

Garagekeepers liability insurance helps protect your customers’ vehicles under your care, custody, and control if they are damaged due to negligence.

    What types of specialty coverage can be added?

Depending on the operations of your repair shop you may want to consider coverage options such as body shop, repair shop, muffler shop, transmission repair, and tow truck insurance.

Protection from claims of faulty repairs.

You should also consider professional liability coverage that protects you against claims for damage to a car caused by mistakes and/or omissions by your staff. In extreme circumstances, this could include not just the cost of fixing the flawed repairs, but also costs that arise from a crash that’s blamed on the faulty repair.

Coverage for your garage and lost income.

Remember to also look for coverage for lost income. If you have a fire break out at your garage, it’s not much use having an insurer pay all the costs of rebuilding the workshop if you lose all your customers in the meantime and your cash flow is irretrievably damaged. Having coverage for lost income may help your business survive a devastating loss so you can carry on.

Property Damage Happens. Protect Your Auto Repair Shop.

Due to the many flammable materials and objects in any auto repair business, there is a significant risk of physical damage even during off-hours. Standard repair and maintenance tasks like tire rotations, catalytic converter replacements, fuel pump replacements, and EV battery replacements seem simple enough but could easily result in bodily injury to the employees or property damage. With the wide range of things that can go wrong, comprehensive repair shop insurance coverage is a must for business owners, as is a stellar liability policy, such as garage liability insurance.

Auto repair shop insurance provides necessary financial protection against unexpected financial hits that can arise from accidents, liability claims, equipment damage, and other happenings. Your company as a whole and your employees could face significant financial losses. Having the right policies helps prevent out-of-pocket expenses that could put your auto shop at risk or shut it down entirely. Depending on the terms of your specific policy, it may also protect you from legal fees and medical costs if an employee suffers work-related injuries or if a visitor or customer is injured on your property. It gives you the peace of mind to focus on daily operations and help your business thrive.

Are you looking for garage repair shop insurance to help safeguard your business and investment? Contact us to discuss your coverage needs and options. Southern States Insurance offers tailored solutions to ensure your auto repair shop or car dealership has the comprehensive protection needed at affordable rates. Contact one of our team members today for more details about our insurance offerings. Message or email us, request a quote through our website, or call one of our three Georgia offices today.