Insurance For Auto Repair Shops And Mechanics
Protect your auto repair shop or mechanic business with the right insurance coverage. Get the coverage you need to protect your business from financial losses and liabilities. Get the peace of mind you need to focus on your business.
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What type of insurance do I need for my Auto Repair business?
Most auto repair businesses have a Business Owner's Policy called a BOP. A BOP is a great becasue it combines three general insurance coverages and saves you money.
We recommend these products as a base:
- Business Owners Policy: A business owner's policy, or BOP, is a cost-effective way for businesses to buy general liability coverage and commercial property insurance together.
- Commercial Auto Insurance: Commercial auto coverage pays for injuries and property damage caused by an auto body shop's tow-truck, pickup or other vehicle. It's required in most states for business-owned vehicles.
- General Liability Insurance: General liability insurance, also referred to as business liability insurance, safeguards both you and your business against claims related to bodily injuries and property damage.
How Much Does Auto Repair Shops And Mechanics Insurance Cost?
There is not one price that businesses pay for Auto Repair Shops And Mechanics business insurance. There are many factors that determine your exact cost, such as:
- The size of your business
- How many employees work for you
- If you keep customers information stored in a data system
- If you have trucks or vehicles or tow equipment
We work with mutiple insurance companies that offer Auto Repair Shops And Mechanics business insurance to protect your business without breaking the bank. We'll work with you to figure out what coverages and companies offer the best coverages and help you get a great business insurance quote.
Your auto repair business may also need other types of business insurance, like:
- Commercial Umbrella Insurance: Commercial liability umbrella insurance boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.
- Cyber Insurance: Cyber insurance typically provides coverage for the liability of your business in the event of a data breach that compromises sensitive customer information, including Social Security numbers, credit card numbers, account numbers, driver's license numbers
- Workers Comp Insurance: Almost every state requires workers' comp for car repair businesses with employees, and it also provides protection for sole proprietors against work injury costs that health insurance may refuse to cover.
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