From auto repair shops to gas stations, businesses in the automotive services industry have unique exposures. A visitor to your shop can slip and fall or a mechanic may accidently damage a customer’s car while working on it or moving the vehicle, for example. It’s important to have the right combination of coverages in place to protect your investment, assets and reputation.
One of our specialties at Mountainside Insurance Management is insuring automotive services, providing competitively priced, comprehensive coverages that respond to your specific risk profile. In addition, we are here to help you prevent losses so that you can keep your shop operating smoothly and manage your total cost of risk.
We can provide you with General/Garage Liability insurance to help pay for an injured customer’s medical bills plus expenses from a related lawsuit. Garagekeepers insurance provides protection in case a customer’s vehicle in your care is damaged by fire, theft, vandalism or collision. Commercial Property insurance will protect your building and business personal property. Business Interruption insurance will step if you have to temporarily close your shop due to property damage like a fire or storm.
Commercial Auto insurance covers your owned vehicles for accidents, vehicle theft, vandalism, and weather damage. Crime insurance will safeguard your business from employee dishonesty and theft of money and securities either from holdup or safe burglary.
Products Liability insurance will protect your business if there’s an accident because a vehicle is not properly repaired. Environmental impairment exposures due to the disposal of used lubricants, oils, degreasers, solvents and batteries can be covered with Pollution Liability insurance.
We can also provide you with Workers Compensation insurance for employees who are injured or become ill on the job.
A BOP policy is also available that combines Liability and Property coverages into one package, customized for automotive service repair shop. We’ll review all your options with you.