Auto Repair Shop Insurance

Auto Repair Shop InsuranceServing the needs of auto repair shops in Massachusetts, Rhode Island, & New Hampshire since 1986.

As an auto repair shop owner, you know that when servicing various vehicles on a daily basis with expensive, complicated and sometimes hazardous tools and equipment, insurance coverage is an important and necessary asset.

Like any car, an auto repair shop comes with many working parts that each require their own attention and protection.

A basic auto repair shop insurance policy may be all you need, although the types of coverage can vary between different insurance companies. D’Agostino Insurance can help you determine the type of insurance policy and range of coverage that is best for your auto repair shop.

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What you need to know about auto repair shop insurance in Massachusetts, Rhode Island, & New Hampshire.

Liability Coverage

Protection for your auto repair shop in case of an accident, injury, or mistake. This coverage is often helpful if a mechanic or technician makes a mistake while servicing a customer’s vehicle, or an on-site accident occurs that results in damage and / or injury of a customer or employee. This is often the most important insurance coverage for an auto repair shop.

Property Coverage

Auto repair shops often have a lot of necessary space, expensive tools and equipment, and additional housing or parking lots for customers’ vehicles as they are being serviced. Property coverage protects against theft, disastrous events such as fires, as well as varied optional coverage such as business income insurance and equipment breakdown coverage.

Auto Coverage

This protects your customers’ vehicles as they are being serviced and entrusted to your business’ care, often referred to as “non-owned auto insurance.” In addition to coverage while a vehicle is being worked on, this offers protection while an employee test drives a vehicle before or after being serviced, or when an employee is involved in an auto accident when driving a personal or company car while driving on behalf of your auto repair shop.

Crime Coverage

Working along with property coverage, crime coverage protects against wrong doing you may suffer from an employee or third party, including theft of sensitive data such as customer information, as well as equipment, money, or robbery.

Workers’ Compensation Coverage

With many moving parts, heavy machines and vehicles, complicated workflows and physical strain, workers’ compensation is a necessity in an auto repair shop’s insurance coverage. It provides wage replacement and medical benefits to employees, mechanics and technicians in the event of an accident or injury resulting from their employment. Often, these benefits are available in a tradeoff, in which the employee gives up the right to sue his or her employer for potential negligence.

Every situation is unique. Contact us today to learn more about the right auto repair shop insurance for you and your business.

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