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What insurance policies would be needed for an auto repair shop?

Your auto repair shop is dedicated to providing exceptional car repair with integrity the same as we are here at Southern State Insurance Services to find you the right insurance for your shop. Here are some descriptions of typical insurance we can help you with!

General Liability Insurance ? This is insurance protecting you from most liability exposures other than automobile and professional liability. For example Worker's Compensation will pay wages a worker may lose due to an accident but General Liability will provide coverage for you in case of a lawsuit against you for a worker's on the job

Garagekeepers Coverage ? Provides physical damage coverage for your customers' vehicles while in your care, custody or control. You can choose coverage that pays only for damages you're legally liable for or coverage that pays for damages to your customers' vehicles regardless of your legal liability.

Garage Liability Coverage ? Provides liability coverage for accidents arising from your garage operations resulting in bodily injury, property damage, and personal or advertising injury. Building and Business Personal Property ? Provides coverage for your buildings and personal business property such as tools and computers.

Business Income and Extra Expense ? Provides coverage for actual loss of business income if your operations cease due to a covered loss and extra expenses incurred due to the loss.

Crime and Fidelity Coverage ? Protects your business from loss of money, securities or inventory resulting from acts committed by your employees and non-employees. This covers activities such as employee dishonesty, embezzlement, forgery, robbery and burglary.

Commercial Umbrella Insurance
A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy and employers liability coverage.

The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies.

Workers Compensation:
Workers? Compensation protects workers who are injured on the job or develop a work-related illness. It makes payments directly to workers to make up for some of the wages lost due to work-related injury or illness. It also helps pay their medical expenses, including rehabilitation costs. Without Workers? Compensation insurance, employers are responsible for paying all costs stemming from a work-related accident or illness.

Commercial Auto Insurance:
Commercial auto has a similar configuration to your personal auto insurance but covers you and your employees as they drive vehicles for business reasons. This will protect you if you have a drive a customer vehicle to another shop if there is an accident or injury.

We are here to go over all of the insurance options you need for your business give a call at (855) 773-1100 to assist you.

Photo Credit: Steve Snodgrass

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Commercial Business World
7800 University Blvd
La Mesa, CA 91942

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