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Auto Repair Shop & Garage Insurance

vehicle on a lift in an auto repair shop

Our Auto Repair Shop or Garage Keepers Insurance policy offers an affordable way for you to obtain property and liability insurance quickly and easily. Some of the kinds of businesses that fall into this class Auto Repair Shop Insurance, Collision Center Insurance, Transmission Shop Insurance, General Automobile Shop Insurance. We can include key coverages that are important to any business, and also offer additional business specific options that are important to any Garage.

Garage Insurance has some very unique aspects. Garage Insurance combines General Liability and Auto Liability into one policy. This is very important for an Auto Repair Shop. A Garage Policy also has the option of adding Garage Keepers Insurance. Garage Keepers insurance covers your customers cars while in your possession.

If you own a garage, having adequate insurance could be the deciding factor in whether you stay in business. Accidents happen and things don’t always go right. Errors, injuries, or property damage could lead to a lawsuit and a financially disastrous judgment against your enterprise.

Types of Garage Insurance

Most auto trade businesses need some type of garage insurance to protect against loss. This includes towing companies, body shops, auto repair shops, muffler shops, radiator shops, and transmission shops. Garage insurance may include general liability, a business owner’s policy, workers’ compensation, garagekeepers legal liability, and business interruption insurance.

General Liability

This is a fundamental part of garage insurance coverage that can provide protection against financial liabilities resulting from accidents, building damage, and other causes.

Business Owner’s Policy

A BOP provides protection in addition to basic liability, including loss of income, property, and identity theft.

Workers’ Compensation

Workers’ comp insurance covers medical expenses and a portion of lost wages for employees with work-related injuries or illnesses.

Garagekeepers Legal Liability

Service stations and towing businesses may need this coverage to protect vehicles that are being worked on or held.

Business Interruption Insurance

This coverage helps you pay your bills, stay in business, and pay for a temporary business site if an unexpected event interrupts your operations.

The cost of garage insurance depends on various factors, including the type of business, the quantity and value of property and equipment, the number of employees, and the business location. At Multi State Commercial Insurance Agency, we know insurance. Our agents can design a garage insurance strategy to meet all your business insurance needs.

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