Automotive & more
Auto Body Repair Insurance, Automotive Service Repair Insurance, Garage Insurance, Tow Truck Operator’s Insurance are all insurance products where the rubber meets the road. Your insurance has got to be written properly because your work involves automobiles and trucks and they have driving exposures that you could be responsible for.
Typical insurance coverage for buildings, tools, employees' tools and general liability are part of a garage policy but there are specialty coverages that are needed by owners of such operations:
Garage Keepers Insurance – insures the cars that are in your care, custody and control
Direct Primary coverage- for Garage Keepers Insurance is highly recommended and generally worth the extra cost versus buying a legal liability form of coverage. Having the proper limit on Garage Keepers Insurance is important and should be reviewed with your agent.
On Hook coverage is coverage that a Tow Truck Operator’s Insurance policy should include.
Road Side Assistance is often provided so Tow Truck Operator’s Insurance should be endorsed to include this if that exposure exists.
Expanded Property Damage Coverage is also important for Automotive Service Repair Shops – mistakes can be made like putting the wrong air filter on and blowing up the top part to an engine – having the coverage for this is surely important because as good as you are, accidents can happen.
Housekeeping such as proper storage of oily rags, degreasing surfaces and keeping an orderly shop, having an approved spray booth with proper ventilation and fire suppression, are important to insurers when considering insuring your Auto Body Repair Insurance, Automotive Service Repair Insurance or Garage Insurance.
Usually such businesses will come with some vehicles that have repair tags or dealer tags but owners need to have a personal auto policy as well to be fully protected.
Vehicles are complicated and so is the insurance that such a business owner needs to be protected so you should deal with an experienced agency like ours. Call us for your Auto Body Repair Insurance, Automotive Service Repair Insurance, Garage Insurance and Tow Truck Operator’s Insurance needs.