Skip To Content
Hero Banner

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.

Get Started today!

"*" indicates required fields

Hidden

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:

Icon for General auto repair shops

General auto repair shops

Icon for Specialized repair shops (transmissions, brakes, etc.)

Specialized repair shops (transmissions, brakes, etc.)

Icon for Auto repair facilities associated with dealerships

Auto repair facilities associated with dealerships

Icon for Shops offering additional services like towing or vehicle rental

Shops offering additional services like towing or vehicle rental

Related Insurances

Transportation

Transportation

Truck lines are trucking operations that assist in the packing, loading, transport, unloading, and unpacking of freight. Many truck lines have storage facilities for both temporary and long-term storage of goods.
Learn More
Website Design and Software Developers

Website Design and Software Developers

A website designer is a specialized software developer as well as a consultant who provides many services related to the website and other software needs. In addition to providing the software, the website designer becomes an integral part of the client’s operation since the website should be regularly updated.
Learn More
Wholesale/Distributions

Wholesale/Distributions

Manufacturing management professionals are faced with a rapidly evolving risk landscape. Traditional markets are being disrupted, and entire business models are becoming obsolete due to changing customer preferences and new technological applications. In this environment, wholesale and distribution businesses must manage risk in a more analytical and agile way by integrating risk management practices at every level, leveraging cutting-edge technologies, and preparing for unconventional threats.
Learn More
Professional Liability (Errors & Omissions)

Professional Liability (Errors & Omissions)

It’s a good news, bad news situation. The bad news: Lawsuits, once a measure of last resort, are now commonplace in settling disputes. The good news? You can protect yourself, your business, and your reputation by investing in professional liability coverage, also known as Errors and Omissions (E&O) insurance. E&O insurance is supplementary liability insurance that enhances any business owner’s policy by safeguarding against catastrophic loss in the event of a lawsuit due to a negligent act, error, or omission by the professional. In addition to claims of error, omission, or negligence, E&O insurance can also protect against slander, libel, and breach of contract.
Learn More
Non-Profit Entities

Non-Profit Entities

Non-profit organizations provide essential social services that benefit communities and their members. These organizations often rely on a volunteer board of directors to elect officers, adopt policies, and make major financial decisions. Despite their voluntary nature, board members face significant risks, including personal liability that may affect their financial status due to their management decisions. It is crucial for your organization and board of directors to understand the risks associated with their responsibilities and the ways to protect themselves from personal liability.
Learn More
Marine Risks

Marine Risks

Ocean Marine Insurance is one of the oldest types of coverage in the world, originating in the 1600s to protect merchants from the heavy losses associated with dangerous shipping ventures. While some risks have evolved, vessel owners today still face significant challenges, making Ocean Marine Insurance as crucial as ever. Over the years, Ocean Marine Insurance has expanded to provide comprehensive loss protection. This has led to the development of related coverages, such as Inland Marine Insurance, primarily used to fill gaps in commercial property protection. Today, Ocean Marine Insurance comprises three main coverages addressing the primary areas of loss for vessel owners.
Learn More
Lumber & Building Supplies

Lumber & Building Supplies

Lumber yards provide essential materials for construction and renovation projects, catering to property owners, builders, contractors, and individuals. The range of products typically includes lumber, brick, siding, cement, windows, doors, plumbing, heating, air-conditioning fixtures, and the necessary tools and hardware for installation. Given the nature of these products, lumber and building supply businesses face unique risks that require specialized insurance coverage.
Learn More
Machinery & Equipment, (Repair & Maintenance)

Machinery & Equipment, (Repair & Maintenance)

Machinery and equipment repair and maintenance businesses offer a crucial service by ensuring that various types of machinery and equipment are in optimal working condition. These repair facilities can be located in individual shops, home basements or garages, or even within appliance and department stores where the items were originally purchased. The operations may also offer pick-up and delivery services to customers and, in some cases, perform repairs at the client's premises.
Learn More
Food Processing & Manufacturing

Food Processing & Manufacturing

The food processing and manufacturing industry encompasses a wide variety of operations, from meat and seafood processing to snack food manufacturing and prepared sauces. With the diverse range of processes and risks involved, it is crucial for businesses in this sector to have specialized insurance coverage to protect against potential exposures. At KRGinsure, we provide tailored insurance solutions to meet the unique needs of food processing and manufacturing businesses.
Learn More
Education and Private Schools

Education and Private Schools

Educational institutions, from elementary schools to universities, face unique risks and exposures that require tailored insurance solutions. At KRGinsure, we understand the complex environment of schools and provide specialized insurance coverage to protect against a variety of potential risks.
Learn More
Demolition & Deconstruction

Demolition & Deconstruction

Demolition involves the tearing down of buildings and structures, while deconstruction focuses on taking a building apart to carefully preserve valuable elements for reuse. These activities present unique risks and exposures that require specialized insurance coverage. At KRGinsure, we provide tailored insurance solutions to protect demolition and deconstruction contractors from a wide range of potential claims.
Learn More
Directors and Officers

Directors and Officers

In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures.
Learn More

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.

Contact Us for a Quote