Auto Repair Shop Insurance

If you want to be the successful owner of an auto repair shop, there are a number of things that you need to know in order to get started right. You know that you need to find the right location, register for a business license and advertise. However, the most important step that you will take toward opening your own auto repair shop is purchasing the right auto repair shop insurance policy.

Obviously, you are going to need garage insurance. If you have one or more employees, then you will need to invest in workers compensation insurance. You need protection against fire, weather, vandalism and theft. Then, there are liabilities that can cost you a great deal.

Auto shop insurance can be the thing that makes or breaks your auto repair business. If your garage burns down to the ground in a freak fire, our policy will pay to rebuild or repair your shop. If you become injured and unable to work, your insurance can even help you sustain your business while you take time off to recover.

Having the right auto body shop insurance is the best way to protect the interests of your business. It is also a good way to ensure the safety of your customers and your employees. With proper protection in place, you will have the advantage of the peace of mind that comes with knowing that your business is safeguarded from the high costs of medical bills, lawsuits and automobile repair.

In order to find out the way that you can protect your business with auto repair shop insurance, you need to talk to Hugh Pham of Western Insurance Marketing Corp in Diamond, CA. He is an insurance expert who will be able to provide you with all the important details on the wide variety of coverage options that you need to include in your auto shop insurance policy.

Property Insurance Coverage

The property coverage that you need to include in your auto body shop insurance policy will vary according to where your auto repair business is located. If your company owns the building that you operate out of, then you definitely need property insurance in order to protect your establishment against any unforeseen circumstances.

On the other hand, if your auto repair business works out of a rented location, then it is vital that you talk to the property owner to find out about the property coverage that they have on the building. Once you have a good idea ash to what is covered in the property owner’s policy, you will be able to identify all of the weaknesses and determine the coverage that you need to include in your auto shop insurance policy.

Coverage for Your Associates

Associate coverage is available in a number of different forms. You may choose to invest in company benefits that include health and dental insurance. Perhaps the most important type of coverage for our associates is workers compensation insurance.

When you offer the right employee benefits, you will effectively make your auto repair business more appealing to the highest quality of job candidates. In addition, you will be able to hold on to your current employees that are already doing a great job.

Workers compensation provides protection for you the business owner as well as for your employees. In the event that one or more of your employees ever becomes ill or is injured on the job, you will be protected against any legal actions that claim you or your business are at fault. In addition, your policy will pay benefits to the employee, including medical expenses, lost wages, disability payments and even funeral expenses in severe cases.

Automobile Coverage

When it comes to auto body shop insurance, the automobile coverage that you include in your policy is essential. First of all, you will need coverage that is going to protect the vehicles that are owned and used by your company. This includes the vehicles that you use to pick up parts or transport customers.

In addition to protecting your own vehicles, you also need to obtain coverage for your customers’ vehicles as well. This coverage will protect you in the event that one or more of the vehicles that you are working on are damaged while in your custody.

Liability Insurance

As with any type of business, you are going to need to include liability coverage in your auto repair shop insurance policy. If a customer or visitor becomes injured while on your business property, your liability insurance policy will protect you against the resulting medical expenses, legal fees and settlements.

In order to properly protect your auto repair shop with the right insurance policy, Western Insurance marketing will take the time to identify your specific needs for coverage. They will work with you to ensure you have the best protection for your shop at the most affordable price. Click on the quote request button now to find out how you can save money on your auto shop insurance today.