Congratulations, you’ve built a business that delivers excellent car repair for California motorists. Less fortunate copywriters learn the hard way, especially those in the auto repair industry. And how quickly will your current insurance agent help you recoup and get back to work?

Auto Repair Shop insurance is a form of business insurance that provides protection against the various risks and liabilities encountered by auto repair shops and their employees. It may cover property damage, bodily injury, theft, vandalism, equipment breakdown, garage liability, garagekeepers liability and workers' compensation just to name a few.

You provide your customers with peace of mind when they come to you for the repair and maintenance of their vehicles, let Aegis help protect that which you work so hard for!

We Offer the Lowest Rates on California Auto Repair Shops Insurance

At Western Insurance, we are experts in auto repair shop insurance. We’re a leader in providing auto repair businesses like yours coverage for your assets and livelihood. Our tailor-made policies insure you, your building and equipment, employees and clientele. We also offer fast and efficient claims so you can back to work faster.

Don’t let a disruption destroy your auto repair business. Contact us now to receive your free quote for auto repair shop insurance!

From there, we can help tailor coverage that best suits your needs at a price you can afford, leaving you to focus on doing what you do best: repairing cars.

Auto Repair Shop Commercial Property Insurance

Types of Insurance to Consider for Your Auto Repair Shop in California One of the most crucial categories of insurance that you will need for your auto repair shop in California is commercial property insurance.

Property insurance for business that protect the value of your auto repair shop’s physical assets – a building, equipment, tools, inventory, furniture and fixtures. It can assist you in paying for repairs or replacements if your property is damaged or destroyed by one of the covered perils.

Some of the typical risks that commercial property insurance protects against include:

Fire and smoke
Lightning and windstorms
Hail and snow
Explosion
Theft and burglary
Vandalism and malicious mischief
Falling objects
Flooding caused by burst pipes or sprinklers
Power surges

Unless it’s itemized in the contract, commercial property insurance doesn’t generally cover destruction due to earthquakes, floods or regular wear and tear. You’ll likely need to buy special policies or endorsements for these fears.

The price of commercial property insurance for California auto repair shops is determined by many factors, including:

Your shop size and location
The condition and value of your assets
What type and how much coverage you need
Your deductible and limit you select
Your professional security and safety mechanisms

To learn what the cost of commercial property insurance for California auto repair shops, reach out to us today. We can assist you in comparing quotes from various insurers and finding coverage that’s right for you at a price you can afford.

California Auto Repair Shops – What Does General Liability Cover?

General liability insurance protects you from having to pay for legal fees if your business is sued by a third party for injury or property damage. For example, if someone slips and falls on a wet floor in your store or an unsafe repair leads to an accident on the road, you could be found liable for the subsequent medical bills, car repairs or other damages.

Your advertising injuries that is, claims of libel, slander and copyright infringement can be covered by general liability insurance.

The price of general liability insurance for auto repair shops in California will vary depending on which factors determine your risk exposure: the size and location of your business, as well as the number and types of vehicles you service, the coverage options you choose to include in your policy, and your history of prior claims.

General liability is insufficient to cover all risks you have in your auto repair shop. You may also need other kinds of insurance, including workers’ compensation, commercial auto coverage, garagekeepers liability protection or business property and business interruption.

Garage Liability Insurance

This is an unique form of commercial insurance that protects your legal liability when you are responsible for bodily injury or damage to property as a result of your garage operations. It also covers your premises, products and completed operations.

Garage liability insurance differs from general liability in that it covers the unique exposures of auto repair shops including customer cars in your possession, care or control, faulty workmanship, defective products and pollution.

The price of garage liability insurance is based on several key variables including the size and location of your business, how many employees you have, what types of services you provide, and how much coverage you will need. The average annual price between $1,500 and $5,000 for garage liability insurance in California.

Garagekeepers Insurance

Garage keepers insurance is a form of property insurance which provides cover against the vehicles and equipment that you store or work on at your premises. It covers your costs to repair or replace those things, if they are damaged or stolen while in your care, custody and control.

Garagekeepers insurance is distinct from garage liability insurance, which protects you against your legal liability for physical injury or property damage to others in the course of conducting your business. Garage liability coverage doesn’t apply to the vehicles and equipment that are owned by your clients or which you’ve rented or borrowed for business purposes.

You have the opion of selecting various types of coverage, legal liability, direct primary, and a direct excess. You can also select the coverage limit per vehicle and per occurrence.

Workers' Compensation Insurance

Workers’ compensation insurance is a form of protection that provides both employers and employees with coverage in the event of a work-related illness or injury. All forms of insurance, including workers compensation, are required for all businesses with one or more employees; that includes auto repair shops and companies.

There are many potential risks for auto repair shops from day to day, including accidents with tools, machinery, chemicals and vehicles. Workers’ compensation insurance can help protect injured workers by paying for medical treatment and rehabilitation, as well as some of the wages lost substitute for income lost due to work-related injury and in some cases pays benefits to dependents of a worker killed during employment. Auto repair shop owners are also shielded from lawsuits brought by injured workers or their families with workers’ compensation insurance.

Commercial Auto Insurance

Commercial auto insurance is a must if you own or operate an auto repair shop in California, and will protect both your business vehicles and those of your customers. Commercial auto insurance pays for accidents, injuries, property damage and certain legal troubles — even when you or your employees cause them.

California by law requires commercial auto insurance for any vehicle used for business. The minimum liability limits are $15,000 for bodily injury to a person, $30,000 for bodily injury per accident and $5,000 of property damage. But depending on the types and number of vehicles you own, you might require higher limits or extra coverages to ensure enough protection for your business.

There are a few coverages that you can think about initially when beginning an auto repair shop.

Collision: This insurance pays for the damage to your business vehicle if you have a collision with another vehicle or object.

Comprehensive: This pays for damage to your business vehicle that occurs outside of a collision, for example as a result of fire, theft, vandalism or weather.

Medical payments: This pays the medical costs for you and your passengers if you are hurt in an accident with your business vehicle.

Uninsured/underinsured motorist: This helps pay for your damages if you are hit by someone without insurance or whose insurance is too low to pay all of your bills.

Your commercial auto insurance would be restricted to third-party damage your business-owned vehicles cause.

Business Interruption Insurance

This insurance, which we would most probably call Business Income insurance would reimburse the income that you lose while your operations are shut down by a covered cause of loss. It can also cover the cost of helping you move your business to a temporary location, rent equipment, advertise and do other things you need to do to put the business back on its feet.

Business Interruption insurance is often a part of a Business Owner's Policy - BOP (although may be inadequate) which bundles Commercial Property and Liability. But some insurers could make it available as a standalone or add-on to your property insurance.

To get Business Interruption, not only do you need a physical location for your auto shop, but also must have a cause of loss that’s covered by your policy. For instance, if a fire destroys your shop and you have the cover for fire under your Property insurance then Business Interruption can be claimed. But if your shop gets flattened by an earthquake, and you lack coverage for earthquakes, then you cannot even put up a claim for Business Interruption of a single day.

The amount of and duration for which you are able to receive Business Interruption benefits based on the limits in your policy and how long it would have taken to repair or replace your damaged property. There might also be a waiting period, or a deductible, on some of these policies.

Find The Best Rates For Auto Repair Shop Insurance in California

If you own or run an auto repair shop in California, you need the right insurance to cover your business at a great price.

Western Insurance agents are specialists in securing the best rate and coverage for your needs. It doesn't what kind of insurance your auto body shop needs, if you need garage liability, garagekeepers, workers comp or the others we can help you get multiple quotes so that you get a competitive price.

What is the best insurance for car repairs?
The best insurance for car repairs is typically an auto repair shop insurance policy that includes coverage for liability, tools and equipment, business interruption, and workers' compensation. This type of insurance protects auto repair shops and their customers by covering repair costs, damages to vehicles, or any accidents that might occur on the premises. For added peace of mind, look for policies that also offer coverage for mechanical breakdowns and other specialized needs specific to your repair business.
What is the average cost of auto repair insurance?
The cost of auto repair insurance varies depending on factors such as the size of your business, location, and the specific coverage options you choose. On average, auto repair shop insurance can cost between $500 to $2,500 per year. However, a more tailored and comprehensive policy may cost more. To find the right balance of cost and coverage, it's recommended to get quotes from multiple insurance providers to compare rates based on your needs.
Is vehicle repair insurance worth it?
Vehicle repair insurance is definitely worth considering, especially for auto repair shops that rely on expensive equipment, a skilled workforce, and vehicles in various conditions. The right insurance policy can protect your business from financial losses caused by accidents, damage, or unplanned repair needs. Additionally, it can help ensure the continuity of your operations if an unforeseen event causes a disruption. Overall, it can save you money in the long term by preventing costly repairs and legal fees.
Does CarShield cover cars over 10 years old?
Yes, CarShield offers coverage for cars over 10 years old. In fact, one of the key benefits of CarShield is that it caters to older vehicles, providing extended warranties and coverage for car repairs that may not be covered under a manufacturer's warranty. However, coverage options and pricing may vary depending on the car's make, model, and overall condition, so it's important to review the specific terms of the policy before purchasing.