Garage and Auto Repair Shop Insurance: What Are My Options?

Garagekeepers liability insurance, garage liability, employment practices liability… the options are endless! Figuring out exactly what you need as an auto body and repair shop owner – now that is where things may get a little confusing. Fortunately for you, our agents at Wolpert Insurance are here to guide you.

There are a variety of liability coverage options that are available. Depending on the type of garage shop you run, the number of workers you employ and various other factors, your policy may differ from the next shop. We understand – you are an auto body shop expert, not an insurance agent. This is where Wolpert Insurance comes into the picture. This week, let’s take a quick look at a few of your liability insurance options…

General liability insurance: Most shops are required to have a general liability insurance policy, at the very least. This will protect the assets of your business when it is sued for something it has – or has not – done that may cause personal injury or property damage.

Garagekeepers liability: This policy is designed to cover damages made to your customers’ vehicles that are being serviced and/or held at your shop.

Garage liability: This policy is designed to provide liability coverage for the premises, products and operations. Please note that this policy is different from garagekeepers liability insurance. To learn more about the differences, refer back to our blog post from earlier this year: Difference Between Garage Liability and Garagekeepers Insurance.

Employment practices liability insurance (EPLI): This policy is designed to cover your business in the event that an employee accuses you of wrongful termination, discrimination, harassment of any sort and various other employment-related allegations.

Broad form products liability: This policy is designed to provide coverage against claims of unexpected or new hazards that could develop over time – in regards to the products or services your shop offers.

For all the information you need, exceptional service and excellent garage insurance, call our agents at Wolpert Insurance. We would be more than happy to speak with you about your garage and auto body shop in order to design a “perfect fit” policy. Call us at 800-299-6819, today!