Auto repair shops offer many services that people need when their cars break down. They include things like fixing flat tires, changing oil, and replacing broken parts. Insurance for auto repair shops cover these repairs, so you won’t have to pay for them yourself.
Save time by getting multiple estimates at once.
If you’re looking for an estimate for a car repair shop, you might think you’ll have to call each one individually. That’s not true! Many companies will give you a quote online, and some even provide free estimates. All you have to do is enter your vehicle’s make, model, year, and location into a website like Quotacy.com. This site will then search through hundreds of local businesses and return a list of quotes.
Who Needs Auto Repair Shop Insurance?
Most people who own a business need auto repair shop insurance. It protects them against liability claims, property damage, and other risks associated with running a business. However, there are exceptions. For instance, if you run a small family-owned business, you probably won’t need auto repair shop insurance because you aren’t likely to face any legal issues. Also, if you work at home, you probably don’t need auto repair shop coverage.
Types of Auto Repair Shop Insurance
There are two main types of auto repair shop insurance coverage available: commercial general liability (CGL) and commercial automobile liability (CAL). CGL covers the owner and employees of an auto repair shop for bodily injury and property damage caused by accidents involving vehicles owned by customers. CAL covers the owner and employees for injuries and damages caused by accidents involving customer’s cars. Both coverages also protect the auto repair shop from lawsuits filed by third parties injured by the shop’s negligence.
The Benefits of Coverage.
If you own an auto repair shop, you should consider purchasing both CGL and CAL policies. These policies will help protect you against potential claims made by customers who are injured while using your services. They also provide protection against any legal actions brought against you by third parties injured by your business.
Important Things to Know About Insurance.
There are several things to keep in mind when considering whether or not to purchase insurance for auto repair shops. First, there are two different kinds of policies available. A commercial general liability policy (CGL) covers property damage and bodily injury caused by the negligence of others. A commercial automobile liability policy (CAL) provides similar coverage for vehicles used in your business. Second, these policies cover only those injuries that occur at your business location. Third, the policies do not cover personal injury claims. Fourth, the policies typically require you to maintain workers compensation coverage as well. Finally, the premiums for these policies vary based on the size of your business.
Do you need insurance for your business? Contact us today.