- Specialized Auto Repair Shop Coverages
Specialized coverages
Along with all the coverages you’d expect: general liability, garagekeeper’s insurance, workers’ compensation, and excess liability, we offer additional coverages that cater to your auto repair business.
Mechanics’ errors & omissions liability
This endorsement includes broad form products coverage, coverage for your work, and coverage for any negligent act, error, or omission that occurs during the course of your auto repair shop operations.
Garagekeeper's insurance
Your business always has other people’s vehicles in your possession, so, you need this coverage to protect you in the event that a vehicle in your possession is damaged.
Coverage for your work
During a routine tire and brake change, your employee overtightens the parts, causing damage. Your average base insurance will most likely exclude damages that occur from work you perform. By adding coverage for Property damage to your work - garage operations, you would be covered up to the scheduled limit.
Broad form products coverage
This form can help provide coverage for property damage to your product.
Limited pollution coverage
Should there be a loss causing environmental damage, this coverage could help protect against financial consequences.
Hired and nonowned auto
You are driving customers’ vehicles constantly. Should there be a loss while you are driving, this coverage could offer protection.
Water backup and sump overflow
This coverage may help safeguard your building investment in the event of a costly water loss.
Employee dishonesty
This form provides coverage for employee theft of money, securities, or property.
Portable tools or employee tools coverage
Your shop is broken into, and employees' tools that are used in your business are stolen. Coverage for this incident would require an employee tools coverage form.
