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Auto Repair Shop Insurance

Folks today keep their cars longer than ever. To keep them running longer, they must them keep up properly and repair them when needed. Hopefully, your automotive repair and maintenance business is enjoying a robust growth in business. If so, plenty of work is great, but, it also creates some problems – mechanics attempting to keep up with an increased workload are more likely to make a mistake that costs your business money. Make sure your business has the right insurance coverage to protect you from financial loss.

Choosing the Right Auto Repair Shop Insurance

Most auto centers include in their business insurance package:

Business Property and Liability Coverage

This coverage is the typical business protection plan usually provided in a combined business owner’s policy.

Garage Keepers or Garage Liability Coverage

Provides protection against specific risks associated with an auto repair business. An example is if your business installs an oil filter improperly and a car owner sustains damage to his car engine, your garage liability coverage protects you when a claim against you occurs. This insurance also protects you for injuries that occur. This insurance covers incidents such as the failure to fill the car’s brake system with brake fluid after a repair that results in an accident that causes injury or death.

Tool Coverage

This policy protects the business owner for theft of tools owned by the business. The option can also be added to protect each mechanic who works with his or her own tools for tool theft.

Worker’s Compensation Insurance

In California, businesses must carry worker’s compensation insurance for when an illness or injury results from work.


Additional Options:

Some added insurance programs that many auto repair shop and maintenance business owners buy include:

Income Protection Insurance – when things happen beyond your control that interrupt your business, this coverage continues your income.

Equipment Breakdown Insurance – Protects your valuable equipment from mechanical breakdowns, power surges, operator error, and burnout.

Employee Dishonesty Coverage – Helps you recover losses stemming from employee theft.

Umbrella Insurance – Provides added coverage when your liability policy coverage reaches it limits.


Precision Insurance

Precision Insurance has its headquarters in Montclair, CA. and also serves the cities of Chino, Ontario, Upland, Claremont, Pomona, including but not limited to the entire Inland Empire. As an independent insurance agency, we work for you, not for an insurance company. We tailor your coverage to meet your auto repair business insurance precisely. Call Precision Insurance for a friendly discussion of your insurance needs and a free quote. Our number is 909-752-0239.