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Repair Shops

Vehicle repair shop insurance is critical for any business operating in the automotive repair industry. Whether it’s a small independent garage or a larger dealership service center, having the right insurance coverage is essential for protecting the business from potential financial risks and liabilities. Given the intricacies and risks involved in vehicle repairs, possessing thorough insurance coverage not only grants financial security but also provides peace of mind for both business proprietors and their clientele.

What Is Repair Shop Insurance?

Repair shop insurance may generally refer to various coverages designed specifically for businesses that provide vehicle repair services. This insurance can help protect repair shops from financial losses due to various risks they may face in their day-to-day operations.

Typically, repair shop insurance policies may include the following coverage options:

General liability insurance
Property insurance
Business interruption insurance
Commercial auto insurance
Workers’ compensation insurance
Equipment breakdown insurance
Professional liability insurance
Garage keepers liability insurance

The specific coverage and limits provided by a repair shop insurance portfolio can vary depending on the insurance carrier and the needs of the business. Repair shop owners must diligently scrutinize their insurance policies and collaborate with an insurance agent to verify they possess sufficient coverage tailored to their specific risks.

Is Repair Shop Insurance Important?

Repair shop insurance is essential for mitigating risks, safeguarding assets and ensuring the long-term viability of the business. Repair shops may be exposed to significant financial losses and legal liabilities that could threaten their operations and reputation without adequate insurance coverage.

How Much Is Repair Shop Insurance?

The cost of vehicle repair shop insurance can vary widely depending on several factors, including the size and location of the repair shop, the types of services offered, the value of the equipment and inventory, the number of employees, and the coverage limits and deductibles selected.

To get an accurate quote for vehicle repair shop insurance, contact D. Ward Insurance Services.

Repair Shop Application

Full Legal Name of Business including any DBA(Required)

Full Name(Required)

First Last

What is your TITLE with the company or tell us what your Relationship is to the company?(Required)

Primary Number(Required)

Email(Required)

Mailing Address(Required)

City State / Province / Region ZIP / Postal Code

Number of Years in Business under Legal Name(Required)

Business Type(Required)

Address of Repair Shop(Required)

Physical Location of Garage Address City State / Province / Region ZIP / Postal Code

Type of Garage(Required)

Is the Garage Operation located at a Home?(Required)

Do You Own the Building?(Required)

Approximate Age of Building(Required)

Type of Construction(Required)

Approximate Sq. Footage of the garage-occupied area(Required)

What Type of Coverage Would You Like Quoted? Select All that Apply

Garage Liability

Garagekeepers

Workers Compensation

Umbrella for Higher Limits

Shop Contents

Shop Building

Cyber Liability

Employment Practices Liability Insurance (EPLI)

How Many Bays are at your Shop?(Required)

Where are the Vehicles Stored After Hours?(Required)

What Type of Repair Work is Being Performed?(Required)

What Type of Vehicles are you Working On?(Required)

Any Major Engine Repairs?(Required)

Any Frame Work Performed?(Required)

Do you share your lot premises with another business?(Required)

If yes, what business do you share your lot premises with? If no, type "NA."(Required)

Do you sell, rebuild, or repair autos with a salvage title?(Required)

Do you perform mobile repair services?(Required)

Do you have a tow truck?(Required)

If you have a tow truck, do you tow for hire?(Required)

How Many Owners/Officers?(Required)

Any Inactive Officer(s) - List full name(s) or type "NA"(Required)

Number of Full-Time Clerical Employees or type "None"(Required)

Number of Part-Time Clerical Employees or type "None"(Required)

Number of Mechanic(s) or type "None"(Required)

Number of Non Employees 1099 or type "None"(Required)

Mechanic #1 Full Name as Appears on License(Required)

First Last

Mechanic #1 Date of Birth as Appears on License(Required)

Mechanic #1 License State(Required)

Mechanic #1 Any violations, accidents or claims in 3 years(Required)

Mechanic #2 Full Name as Appears on License

First Last

Mechanic #2 Date of Birth as Appears on License

Mechanic #2 License State

Mechanic #2 Any violations, accidents or claims in 3 years

Mechanic #3 Full Name as Appears on License

First Last

Mechanic #3 Date of Birth as Appears on License

Mechanic #3 License State

Mechanic #3 Any violations, accidents or claims in 3 years

Mechanic #4 Full Name as Appears on License

First Last

Mechanic #4 Date of Birth as Appears on License

Mechanic #4 License State

Mechanic #4 Any violations, accidents or claims in 3 years

Do you employ additional mechanics? If so, please send a list to [email protected](Required)

Do you sell vehicles or equipment?(Required)

Do you allow customers to sell vehicles or equipment?(Required)

Do you currently have a Garage Liability Policy?(Required)

Name of current Insurance Company or type None(Required)

Has there been a lapse in coverage in the last 3 years?(Required)

Has the Repair Shop had any claims in the past 36 months(Required)

What Liability Limit of Insurance do you want quoted?(Required)

How did you hear about us? Please let us know(Required)

Is there anything else that you would like for us to know concerning your up and coming Renewal?(Required)

SIGNATURE REQUIRED

I have provided all of the above information for insurance purposes and I state all information is true to the best of my knowledge. I also understand that I am to discuss with the agent at D. Ward Insurance my desired limits and coverage.

By typing my name warrants my signature.(Required)

First Last

ADDITIONAL INFORMATION NEEDED

After you have sumitted your quote request, we will start working on your quote and we will help assist with obtaining your claim history. The insurance carriers require us to show prior proof of coverage along with claim history. Thank you for your time and we will be in touch with you today unless this is after hours or on the weekend.

Repair Shops

What Is Repair Shop Insurance?

Is Repair Shop Insurance Important?

How Much Is Repair Shop Insurance?

Repair Shop Application

SIGNATURE REQUIRED

ADDITIONAL INFORMATION NEEDED

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