The Essential Shield for Your Automotive Operations
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Garage insurance is a specialized form of commercial insurance designed for businesses that operate automotive repair shops, service stations, car dealerships, or similar establishments. It typically covers a range of risks specific to these businesses, including liability (like customer injuries or damage to customer vehicles) and property damage (such as to the building and business personal property).
Statewide Commercial Insurance Brokers recognizes the unique challenges and risks that businesses in the automotive industry face. From auto dealers and repair shops to body shops, towing companies, auto detailing, tire and battery repair facilities, and valet parking services, we have a deep understanding of the intricacies associated with garage operations and the potential for significant financial exposure. That’s why we’re committed to providing protection specifically designed to mitigate these risks.
Our specialized garage insurance solutions are tailored to meet the specific needs of your industry, ensuring that your business is covered against the unexpected.
Operating without garage insurance exposes businesses to significant financial, legal, and reputational risks. Financially, the business would be liable for out-of-pocket costs for damages, theft, or losses to customer vehicles in their care, which can be substantial. Additionally, legal liability for third-party claims related to bodily injury or property damage could result in expensive lawsuits and legal fees.
“Care, custody, or control” refers to any scenario when a customer’s vehicle is entrusted to a business for storage, repair, servicing, or parking. Garagekeepers legal liability insurance provides coverage for physical damage to these vehicles while under the business’s responsibility.
Dealer’s open lot insurance is specifically designed to cover the inventory of vehicles at an auto dealership, protecting against risks like theft, vandalism, and weather damage. A standard commercial property policy covers the physical assets of a business, such as buildings and business personal property, but not vehicles intended for sale.
Yes, for most businesses in the automotive industry, having both coverages is crucial. Garage liability insurance covers your business against liability claims related to operations and can also cover owned or non-owned vehicles, while garagekeepers legal liability insurance protects you against damage to customers’ vehicles in your care.
Enjoy peace of mind knowing we’ve got you covered.
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General Liability Insurance keeps your business safe from financial trouble if someone gets hurt or their property gets damaged because of your business. It covers legal fees, medical expenses, and damages. Perfect for any business wanting peace of mind against unexpected claims.
Mandatory in most states, this insurance covers medical expenses and a portion of lost wages for employees who get injured or sick from their job.
Plan for the unexpected. Protect your company’s physical assets, such as its building, and contents, including inventory, furniture, and equipment with commercial property insurance. It covers losses should your business have a fire, explosions, burst pipes, storms, theft, or vandalism.
