Repair Shop Insurance in Kennesaw, GA

Owning and operating a vehicle repair shop requires careful consideration of many risks and exposures. Your customers and clients are entrusting you with some of their most valuable possessions and expensive investments, making you potentially liable for significant losses. Furthermore, repair shops often encounter inherent dangers, such as heavy machinery, hazardous materials, hot surfaces and sharp objects. Understanding and addressing insurance needs is critical.

What Is Repair Shop Insurance? black car in a garage, repair shop

You may not be able to find repair shop insurance as a named product or prearranged package from many insurance carriers. Instead, this term generally refers to a combination of policies you can assemble to create a versatile and sufficient financial shield against relevant risks and perils.

What Does My Insurance Cover?

When considering your coverage needs, you should thoroughly assess your business’s unique circumstances, including its location, client base, workforce size and operational details. Although no two repair shops may have identical insurance needs, several types of policies may suit many in this industry. Consider the following:

  • Garagekeepers liability insurance can help offset financial losses if your business is responsible for damaging a customer’s vehicle while entrusted with its care.
  • Commercial property insurance can address many common incidents, such as fires and theft, by assisting with losses involving your shop’s buildings, equipment, tools and other physical assets.
  • Workers’ compensation insurance is typically required and can render financial aid if your employees are injured or become ill on the job.
  • Business interruption insurance may compensate your shop for reduced revenue and ongoing expenses if forced to temporarily close or delay normal operations.
  • General liability insurance can financially protect your business from third-party bodily injuries and property damage, such as if a client is harmed while visiting your shop.
  • Commercial auto insurance may be essential if your shop owns and operates its own vehicles, such as tow trucks.
  • Commercial umbrella insurance can provide additional liability coverage if third-party losses exceed your other policies’ limits.

Do I Need Insurance If I Operate From Home?

Indeed, even if you base your repair shop out of your home, you must secure appropriate insurance. Standard homeowners coverage does not typically offer coverage for business-related losses. Incidents affecting your commercial assets and business-related liabilities will require alternative coverage. Failing to address these needs could leave you facing devastating financial and legal consequences.

How to Get Coverage Near Me

Contact D. Ward Insurance Services today to learn more about repair shop coverage options and compare personalized quotes.

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