Automotive Body & Collision Repair
Proudly serving you face to face in Sacramento, San Francisco, San Jose, Oakland, Stockton, Fresno, and San Diego – well basically… the whole state
Your Auto Body and Collision Repair business is important to us. We want to be certain if anything happens - you have the protection you need and that the incident is covered exactly the way you thought it would be. Your needs are very different than those of a bakery, printer, or computer repair shop - let us show you how our experience and expertise can be an asset to your company. From the risks of: fire and theft to defective paint and faulty work; from customer cars being vandalized to a customer auto being hit during a test drive; from a lift collapsing to two technicians backing into each other; from your mechanic dropping and breaking an $8,000 scanner to your employees tools being stolen. If you do DRP work - we can expedite all the certificates and endorsements the insurance companies require. Your coverage will protect you even if it's a customer who complains about the paint not matching. We know how to put the right coverages in place to make sure you are properly protected
Your are going to need many of the coverages in Commercial Insurance Basics - and you will likely need the following for your Auto Body and Collision Repair business insurance:
Garage Liability - Covers damages arising from the operation of an auto or an auto related business.
Broadened Garage Liability - Adds coverage for defective products and faulty work
Vehicle Damage Liability - This may surprise you: if you lease your premises from another party and you drive a customer auto into the side of the building - without a special endorsement, most basic policies exclude the damage. We ALWAYS add this endorsement to protect you.
Customer Auto - Covers customer cars in your care custody and control - 3 basic Variations (from good to bad). Direct Primary - your policy covers customer cars regardless of who is at fault; GKLL - Covers Damage to customer cars only if you are at fault - (Think test drive you get hit by an uninsured motorist - and you have to tell your customer to fix it themselves...) and EXCESS - ONLY covers damage to your customer cars in excess of what THEIR insurance will pay.
Loaner Cars: Do you provide loaner cars? we can cover this exposure when most carriers won't.
Employee Tools - Your standard policy does not cover employee tools - this adds protection to employee tools for loss or damage (fire, theft etc) - be careful - some policies are replacement cost - some are actual cash value (depreciation!)
Workers Compensation - You'll certainly need this: to protect you and your employees from the costs of on the job injuries and illness.
Employment Practices / Discrimination - One of the many risks you face, allegations of violating employment laws, discriminating against customers, employees or vendors,
Every business entity is different - we work with you to make sure you have the specific coverages and limits you need for your particular business - so you can make the best possible decision for your business.
Contact us today for your FREE Auto Body and Collision Repair Insurance Quote
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