Garage & Auto Repair Insurance
Protect your small business with commercial insurance.
Why Orr and Associates?
- 24/7 Certificates of Insurance
- AM Best A+ Rated Insurance Carriers
- In Business Since 1996
- A+ BBB Rating
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Why is Insurance Important for a Garage or Auto Repair Insurance Company?
As a garage or auto repair company, having insurance is crucial to protect your business, employees, and manage potential risks. Here are some important types of insurance you should consider:
1. Garage Liability Insurance: Garage liability insurance provides coverage for your premises and operations, including liability protection for bodily injury or property damage that may occur on your premises or as a result of your business activities. It helps cover legal defense costs, settlements, or judgments if your business is found liable for such incidents.
2. Garagekeepers Insurance: Garagekeepers insurance protects customers’ vehicles while they are in your care, custody, or control. It provides coverage for damages that may occur to customers’ vehicles while they are being stored, parked, or serviced at your facility.
3. Commercial Property Insurance: Commercial property insurance protects your physical assets, such as your building, tools, equipment, and inventory, against perils like fire, theft, vandalism, or natural disasters. It helps cover the costs of repairing or replacing damaged property, ensuring your business can recover quickly in case of unforeseen events.
4. Business Interruption Insurance: Business interruption insurance helps cover financial losses and expenses if your business operations are temporarily disrupted due to unforeseen events, such as fire, natural disasters, or accidents. It provides compensation for lost income, ongoing expenses, and facilitates a smoother recovery process.
5. Commercial Auto Insurance: If your business owns or operates vehicles for business purposes, commercial auto insurance is necessary. It provides coverage for your business-owned vehicles, including liability protection for accidents, collision coverage for vehicle repairs or replacement, and comprehensive coverage for non-collision incidents such as theft or vandalism.
6. Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance is typically required by law in most jurisdictions. It provides benefits to employees who suffer work-related injuries or illnesses. Workers’ compensation insurance covers medical expenses, disability benefits, and lost wages for employees, reducing your liability in case of workplace accidents or occupational illnesses.
It’s important to consult with an insurance professional who specializes in garage and auto repair businesses to assess your specific needs and determine the appropriate coverage for your business. They can help tailor insurance policies to match your company’s operations and potential risks, ensuring comprehensive protection for your garage or auto repair business.
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