Garage/ Auto Repair Shops
The Wright Place Insurance Agency
Garage/ Auto Repair Shops
We specialize in providing comprehensive insurance solutions tailored to the unique needs of auto repair shops. Our policy offers protection for your business assets, liability exposures, and potential disruptions.
Key coverages included in our Special Trade Contractors Insurance:
- General Liability- Safeguard your business against claims of bodily injury, property damage, or personal injury arising from operations or premises.
- Commercial Property- Protect your physical assets, including your building, equipment, tools, and inventory, against losses from fire, theft, vandalism, or natural disasters.
- Garage Keepers Liability- Coverage for customer vehicles in your care, custody, and control, protecting against damage caused by fire, theft, collision, or employee negligence.
- Business Interruption- In the event of a covered loss that disrupts your operations, this coverage helps replace lost income and covers ongoing expenses.
- Equipment Breakdown- Covers repair or replacement costs for essential equipment and systems, such as lifts, compressors, and computer systems, in case of mechanical breakdown.
- Product Liability- Protection against claims arising from defects or faulty workmanship related to parts or products installed or sold by your shop.
- Workers' Compensation- Required in most states, this coverage provides benefits to employees who suffer work-related injuries or illnesses, including medical expenses and lost wages.
- Cyber Liabilityy- Coverage for data breaches, cyberattacks, and related liabilities, safeguarding sensitive customer information and covering legal expenses in case of a cyber incident.
- Employment Practices Liability- Protection against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.
- Commercial Auto
- Drive Away Plates
Garagekeepers Liability Coverage
Garagekeepers liability insurance covers the sums you must legally pay as damages for loss to a customer’s auto (or its equipment) left in your care while you are attending, servicing, repairing, parking or storing it in your garage operations. This term means the use of locations for the purpose of a business of selling, servicing, repairing, parking, or storing customer’s autos. Three coverage options are available:
- 1. Comprehensive
Covers damage to a customer’s auto from any cause except the auto’s collision with another object or the auto’s overturn.
- 2. Specified Causes of Loss
Cheaper than comprehensive coverage. Covers damage caused by fire, lightning, explosion, theft, mischief, or vandalism.
- 3. Collision
Covers damage to a customer’s auto caused by its collision with another object or the auto’s overturn.
Exclusions
Garagekeepers liability typically excludes claims or loss involving any of the following:
- War, warlike action, insurrection, etc.
- Theft by you, your employees or shareholders
- Liability assumed under a contract.
- Defective parts or materials
- Faulty work
- Tape decks, CD players, and similar equipment not permanently installed in the vehicle
- Radar detectors
Ready To Protect Your Lifestyle?
We provide the coverage and protection you need so you can focus on what matters most.
