Auto Repair Shop Insurance

Auto repair shop insurance policies are specialized commercial policies for repair centers and similar businesses. Because repair centers frequently have extensive coverage needs, most of these policies come as package policies that contain several coverages bundled together.

In general terms, most Greater Dayton businesses that service vehicles ought to consider auto body shop insurance. While the insurance might be referred to as “repair shop” or “body shop” insurance, the options are largely the same since most businesses that work on vehicles have similar coverage needs.

Car dealerships often need similar coverages for their service centers too, but most dealerships get a more expansive policy that provides these coverages alongside other ones.

What Coverages Can Repair Shops Get?

Depending on a policy’s terms and conditions, it may offer coverages such as the following:

General Liability Coverage - Applies if someone is injured, or their property is damaged, and you or your company is to blame.

Garage Keepers Liability Coverage - Covers damage to customer vehicles.

Commercial Property Coverage - Covers things like your shop, equipment, and tools.

Commercial Auto Coverage - Covers things such as tow trucks, loaner vehicles, and other owned vehicles driven by you or an employee.

Crime Coverage - Can cover internal theft by employees or external theft by burglars.

Business Income Coverage - This covers prolonged periods of decreased revenues that follow disasters.

Shops may also want commercial umbrella coverage, cyber liability coverage, equipment breakdown coverage, or any number of other protections that we can assist with.

A few examples of businesses that might benefit from having auto body shop insurance are:

Independent mechanics and garages

Collision and body repair shops

Specialty vehicle and motorcycle shops

Diesel repair shops

Oil change services