| General Liability
General liability insurance covers injuries or property damage to third parties (customers, vendors, visitors) for which your shop is legally liable. For an auto repair shop, the most common exposures are slip-and-fall accidents and accidental damage to others’ property on your premises. |
| Workers' Compensation
Workers’ compensation insurance provides crucial protection for your employees and your business. It covers employees’ medical expenses and lost wages if they get injured or ill due to their job, and it provides benefits regardless of fault. |
| Compliance & Safety
Compliance & safety refers to following all applicable safety regulations (like OSHA standards) and maintaining safety equipment and protocols in your shop. Auto repair shops must adhere to Occupational Safety and Health Administration (OSHA) regulations (which fall under OSHA’s General Industry Standards, 29 CFR 1910) covering areas such as hazardous materials, personal protective equipment, fire safety, machine guarding, recordkeeping, and more.
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| Garage Liability
Garage liability insurance is specialized coverage for auto repair shops and similar businesses. It typically combines general liability protection with business auto coverage for operations like test drives or customer shuttle services. Meanwhile, Garagekeepers Coverage is crucial for protecting your customers’ vehicles when they are in your care, custody, or control – for example, cars kept overnight or being worked on in your shop. |
| Business Interruption
Business interruption coverage (also called business income coverage) is like disability insurance for your business – it replaces lost income and covers ongoing expenses if your operations are halted by a covered disaster. |
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| Property Protection
Commercial property insurance protects your building and business contents (equipment, tools, inventory, office furniture) against covered perils like fire, theft, vandalism, storms, and more. For auto repair shops, Property Protection is twofold: the building structure itself (if owned by the insured) and the contents inside. |
| Cybersecurity & Data Security
Cyber and data security risks have become a serious threat to small businesses, including auto repair shops. If your shop processes credit card payments, keeps customer records (names, contact info, vehicle history), or uses any kind of computer system, you face cyber risk. A good cyber policy typically covers the costs of data breaches (forensic IT investigation, customer notification letters, credit monitoring services for affected customers, public relations to manage reputational damage, and legal defense if you are sued due to a breach). |
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