Garage/Automobile Repairs
Automobile repair shops offer a wide range of services, from general repairs to specialized services such as transmission or brake repairs. These shops may also engage in incidental bodywork or painting, retail sales of automobile accessories, and additional services such as towing, auto club affiliations, and the loan or rental of replacement vehicles. Given the variety of operations and the potential risks involved, it is crucial for auto repair shops to have comprehensive insurance coverage to protect against potential exposures.
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Coverage Options
Property Exposure
Fire risks in auto repair shops are significant due to the presence of oils, solvents, and other flammable materials. These must be properly labelled, stored, and separated to minimize risk. Welding operations, common in many repair shops, require proper handling of tanks and gases and should be conducted in separate rooms or with adequate flash/welding curtains.
Inland Marine Exposure
This includes the transportation of goods and parts needed for repairs. Employees may run errands to pick up various items, with values and radiuses varying based on the parts needed. Proper coverage ensures that goods in transit are protected against loss or damage.
Crime Exposure
Employee dishonesty and theft of money and securities are significant concerns. Implementing checks and balances by separating ordering and inventory control duties, along with strict inventory control procedures, can help prevent theft. Cash should be managed by a designated cashier, with regular deposits to minimize risks.
Occupier’s Liability Exposure
Customer safety is paramount, with risks including slips and falls in customer areas and the attractive nuisance of cars in parking lots. Providing designated waiting areas and preventing customer access to garage areas can help mitigate these risks. Proper lighting and security measures, such as chains to prevent after-hours access, are also essential.
Environmental Impairment Exposure
Proper disposal of used oils, solvents, and other hazardous wastes is crucial to prevent environmental contamination. Reviewing and adhering to disposal procedures is necessary to manage this exposure effectively.
Automobile Liability Exposure
Running errands to pick up supplies involves automobile liability risks. Ensuring that all drivers have valid licenses and clean driving records (MVRs) is essential. If towing services are offered, drivers must be experienced and vehicles regularly checked, particularly hoists and tow bars.
Garage Keepers Exposure
This covers physical damage to customers’ vehicles while in the shop’s care. Ensuring that lots are well-lit and secure, with chains or fences to prevent unauthorized access, is crucial to protect against theft or damage.
Workplace Safety Exposure
Workers are at risk of injuries from lifting vehicles or using hoists. Proper training and equipment maintenance can help prevent injuries such as back strains, sprains, or hernias.
Why Insure Your Garage/Automobile Repair Shop?
Auto repair shops face various risks that can lead to significant financial losses. Comprehensive insurance coverage helps protect against property damage, theft, liability claims, environmental impairment, and workplace injuries. Ensuring that your shop is adequately insured not only safeguards your business but also provides peace of mind for you and your customers.
Who Needs Garage/Automobile Repairs Insurance?
Businesses that can benefit from this coverage include:
General auto repair shops
Specialized repair shops (transmissions, brakes, etc.)
Auto repair facilities associated with dealerships
Shops offering additional services like towing or vehicle rental
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KRGinsure Brokers, Your Coverage Expert
At KRGinsure, we understand the unique challenges and risks faced by auto repair shops. Our team of experts is dedicated to providing tailored insurance solutions to meet your specific needs. Contact us today to learn more about how we can help protect your business with comprehensive insurance coverage.