Auto Repair Garage Insurance

AUTO REPAIR GARAGE INSURANCE

Auto Repair Garage Insurance is available for auto repair shop business owners consisting of one or more locations through programs underwritten by AM Best “A” or better rated carriers. We can provide auto repair garage business insurance on a Business Owner Policy package policy form and also more traditional CPP garage liability policy. The BOP form is designed to provide comprehensive insurance for most auto repair businesses.

We know that auto repair garage insurance must cover the the unique exposures to loss that car repair shop businesses are exposed to.  For example, some auto repair garage businesses also sell cars and we have the capability of providing coverage to both businesses when required. In these cases we may need to more carefully consider the overall operations a little bit differently but in most cases we can provide coverage to almost any form of auto repair business. that are being conducted in addition to the car wash business but we are able to provide auto wash insurance protection for the business under our Business Owner Insurance program in most cases.  When reasonable underwriting and management requirements can be met, our flexible package of coverage can provide business owners some of the best auto repair garage insurance available in the marketplace.

The versatile Commercial Package Policy or the Business Owners Policy have been designed as a package of property, liability, and ancillary coverage that auto repair shop businesses need and the policies can be comprehensive or basic. These auto related businesses can be provided coverage on BOP-like programs or typical Garage Liability CPP policy forms.

A general outline of the most common available coverage options for our Auto Repair Garage insurance programs are shown below as standard or optional coverage:

Liability on an Auto Repair Garage Insurance Policy

  • Bodily Injury and Property Damage, Premises Liability
    • Primary Limits up to $2,000,000/$4,000,000
  • Personal Injury and Advertising Liability Coverage
  • Employment Practices Liability Insurance
  • Fellow Employee Coverage
  • Host Liquor Liability
  • Non-owned Watercraft
  • Hired and Non-Owned Auto Liability
  • Products and Completed Operations Liability
  • Employee Benefits Liability
  • Ohio Stop Gap Liability Insurance
  • Cyber liability coverage
  • Garagekeepers Legal Liability Insurance

Regardless of business type, liability insurance protects against the tort of negligence that arise from business operations and it is no different for auto repair shop business insurance.  The tort of negligence is a breach of duty that is derived from common law principles that have evolved through decades and even centuries of recorded decisions about our relationships with one another.  It is no different for car wash business operations. A duty is an obligation we owe to someone else.  In essence, we owe each other the duty to protect them from the consequences of our actions and when someone is hurt or suffers harm to either body, property, or reputation, in our culture we boil down our grievances to a monetary settlement in most cases.  In the case of the liability coverage provided in our auto-related business insurance policy, we will pay for the benefit of a legal defense against the claims of injury or damage and we will also pay the amounts that become due to another because a finding of your negligence has occurred through legal proceedings or an agreement accomplished through the negotiations of your insurance carrier and the other people involved in the claim.  This includes bodily injury and property damage as a result of events on the premises, through acts on and away from the work facilities, injuries caused by products, advertising injury, personal injuries other than bodily injury, hired and non-owned auto liability, and injury or damage caused due to computer intrusion and compromise when chosen.

Property Coverage

  • Buildings, Fixtures, Building Improvements including multiple locations
  • Business Personal Property including Property Service Equipment
  • Building Limit Automatic Increase
  • Valuable Papers and Records
  • Accounts Receivable Coverage
  • Computer Coverage and Cyber Crime
  • Outdoor Signs—Attached and Detached
  • Building Ordinance or Law Coverage
  • Off-Premises Coverage for Business Personal Property, including Property in Transit
  • Earthquake Coverage (Some carriers)
  • Business Income, including Extra Expense Coverage
  • Coverage For Water Back-up
  • Equipment Breakdown

Property insurance is required to be included when a an auto repair garage business owner policy is used.  If you own the building we must include the building.  We must include the business personal property, stock and fixtures because the auto repair garage insurance policy is a package policy that requires both liability and property coverage be included to maximize discounts.  The reason the BOP policy is cost effective is the large package credits that are built into the premium for combining more coverage into one policy.  The package of coverage is easy to issue and maintain than an assortment of separate policy forms and coverage.  The business owner policy provides a lot of coverage in a tidy package and it is flexible enough to handle several locations and variety of situations for building, business personal property, computer and cyber-crime needs, signs, coverage on or off premises, loss of business income, and break down of critical building mechanical systems that may alter your ability to operate.

Inland Marine and Special Property

(See IM Section for more Details)

Mobile equipment and property that leaves the premises is best covered with an inland marine endorsement that is designed for equipment that may float to where you actually do your work.  Mobile car repair businesses have special concerns about mobile equipment and tools they use. Certain equipment that is mobile in nature and leaves the business premises will find the broad coverage of the inland marine policy endorsement that are the best way of insuring this type floating and mobile type of property. In those instances where your property leaves your immediate premises your auto wash business insurance is able to be amended to include this unique mobile equipment exposure. This becomes very important to mobile auto repair businesses or when occasional work is conducted away from the premises.

Umbrella Liability

Umbrella liability is an additional limit of coverage that protects for damages that exceed primary policies and sometimes losses that were not covered in the primary policies but were not excluded by the language of the umbrella policy.  Umbrellas covering over auto wash business insurance programs provide the additional coverage flexibility. Carriers writing the underlying BOP will often write umbrella liability for Auto Repair Garage businesses.

Crime and Fidelity

  • Employee Theft
  • Crime Inside
  • Crime Outside

The loss of money through theft, robbery or burglary, or the dishonesty of an employee are losses that can cripple a small business of any kind and tailoring your needs for crime and fidelity coverage can be done within the Business Owner Policy or CPP to create the ideal auto repair  garage insurance policy of protection.

Business Auto

(See business Auto Section for Details)

When your car repair business operates business vehicles it is important to insure the vehicles with liability protection just like the premises and operations. Auto repair garage insurance can be written to include both the vehicles used by owners and managers, but any vehicles you must operate to conduct your business operations. The business auto coverage is dealt with in great detail in the business auto section.

Professional Advice and Agency Service

Quality coverage begins with understanding your needs and the extent of your operation.  I have nearly four decades of experience working with business owners and have a unique and special connection to auto repair business owners and their business insurance needs since my father operated a gas station and auto repair shop as a part of his auto service business for almost 50 years. I love writing auto repair garage insurance and respect the knowledge and hard work required to be business owners. This agency represents quality carriers that have the ability to provide the coverage your business needs whether or not it is ultimately provided inside of our Business Owner Policy or our more flexible Commercial Package Policy (CPP) option.  Call and ask for Terry McCarthy at (513) 779-7920, 9-5 Monday – Friday most days. We are conveniently located at 8114 Paul Manors Dr in West Chester, OH 45069.


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