When you spend all day under the hood of a car, you know that one little mishap can bring a vehicle to a grinding stop. Unfortunately, the same thing can happen to your auto shop business without the right insurance. Whether you run a traditional garage, a body shop, or a specialty mechanic shop, your automotive repair shop insurance needs to be firing on all cylinders. That way you can spend less time worrying about your risks and more time getting your customers back on the road.
What Could Go Wrong?
Any business owner can run into problems unexpectedly. As a garage owner, however, your risks are unique to the type of business you run. Consider the following scenarios:
The shop employee you hired a few months ago is still a little green behind the ears. In a moment of carelessness, he forgets to enable the safety lock on a lift. A customer’s car falls off nose-first, causing irreparable damage. Another shop employee is injured in the incident, and some of your shop equipment is damaged. You find yourself responsible for the injured employee’s medical bills and time off work, as well as the cost of replacing the customer’s vehicle with a new one. In addition, your shop is temporarily unable to perform certain services for customers until you are able to replace the damaged equipment.
Your body shop repairs a banged up car that was involved in an accident. A couple of days later, one of the wheels on the customer’s vehicle comes off going down the freeway, resulting in a major accident and serious injuries. It is determined that the wheel was not properly tightened at your shop, and your business is sued for negligence.
What to Look for in Automotive Repair Shop Insurance
When you shop for garage insurance or body shop insurance, you are looking for a company that will provide you with the unique coverage you need to minimize your exposure to every possible risk – all at a price that benefits your bottom line. At Brian Van De Hey Insurance, we understand the risks you are exposed to every day. We offer a wide range of garage insurance options, including:
General Liability (GL)
Accidents happen. Whether a child is injured in your shop or a customer trips on your sidewalk, general liability insurance helps cover your financial responsibility. GL can take care of expenses arising from bodily injury and property damage, as well as personal injury.
When an employee is injured on the job – a commonality in the automotive repair business – your workers compensation coverage helps pay for medical bills, recovery costs, and lost wages.
Garage Keepers Insurance
If you own a towing business, body shop, or other business that is responsible for safely holding a customer’s vehicle overnight, garage keepers insurance helps pay for damages that occur to vehicles while stored on your property.
Business Owners Policy (BOP)
As a business owner, you and your employees’ income is dependent upon the continuity of your business. A business owner’s policy can protect your business against unexpected problems, from fire and weather-related damages to theft and vandalism. It can keep your shop running smoothly in the midst of business interruptions, and it can rebuild or replace your property, equipment, and inventory if they are lost or destroyed due to a covered event.
De Pere Auto Repair Shop Insurance Quotes
When you choose Brian Van De Hey Insurance, you are putting your shop in the hands of a team that is fully invested in our local De Pere and Green Bay area businesses. Whether you operate a single location or several, we can help you create a customized insurance plan to protect your business today, tomorrow, and for years to come.
An accident can happen at a moment’s notice. Are you prepared? Contact our office today to request your free automotive repair shop insurance quote. We look forward to serving you soon.