Automotive Repair Insurance

Operating an auto repair business comes with specific risks, and having the right insurance coverage is crucial to protect your business from potential financial losses. Here are some of the most important coverages for an auto repair business:

Garage Liability Insurance:

• Covers bodily injury and property damage claims arising from your business operations, such as accidents that occur on your premises or during test drives.

Garage Keepers Insurance:

• Protects customers’ vehicles while they are in your care, custody, or control for repair or servicing. It provides coverage for damage caused by fire, theft, vandalism, or other covered perils.

Commercial Property Insurance:

• Safeguards your business property, including the repair shop, tools, equipment, and inventory, against perils such as fire, theft, vandalism, and natural disasters.

Commercial Auto Insurance:

• Covers liability and physical damage for vehicles used for business purposes, including customer vehicles during test drives or while in your possession for repairs.

Equipment Breakdown Insurance:

• Covers the repair or replacement of malfunctioning equipment, including automotive lifts and diagnostic tools, due to mechanical breakdowns.

Business Interruption Insurance:

• Helps cover the loss of income and operating expenses if your auto repair business is temporarily closed due to a covered peril (e.g., fire, natural disaster).

Workers’ Compensation Insurance:

• Mandatory in many places, workers’ comp provides coverage for medical expenses and lost wages for employees who are injured on the job.

General Liability Insurance:

Protects against third-party claims of bodily injury, property damage, or personal injury arising from your business operations.

Product Liability Insurance:

• Provides coverage in case a repair or replacement part you install on a customer’s vehicle is defective and causes injury or damage.

Cyber Liability Insurance:

• Protects against financial losses resulting from a data breach or cyberattack, especially important as auto repair shops store sensitive customer information.

Commercial Umbrella Insurance:

• Provides additional liability coverage beyond the limits of primary liability policies, offering extra protection in case of large lawsuits.

Pollution Liability Insurance:

• Covers the costs associated with pollution cleanup and liability resulting from accidental spills or contamination, which may occur when handling automotive fluids.

Crime Insurance:

• Protects against theft, fraud, or embezzlement by employees or third parties.

Contact Us

It’s critical to work closely with an experienced insurance professional to assess the specific risks of your auto repair business and tailor an insurance package that meets your unique needs. Call us today at ISE Insurance to put our experience and expertise to work for you.