Garage Insurance Information
Auto Repair & Garage Shops Insurance in Cullman, Alabama
Auto garage shops are important for many different aspects of everyday life. Vehicles are used by not only individuals for leisure and commuting, but also by many different businesses across a variety of industries.
These businesses can be rewarding, but there are also many challenges that owners must be aware of. Even among routine, frequent tasks, there may be extensive liabilities and risks that must be considered. With that in mind, your auto garage shop should be covered by a variety of different insurance policies.
Jean Deese Insurance provides many different insurance packages to auto repair and garage shops in Cullman and throughout Alabama. These packages are both extensive and customizable. As such, your shop will be able to obtain a wide range of coverage that fits the specific needs of your business.
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Essential Insurance for Auto Repair & Garage Shops
There are many different types of coverage that auto repair and garage shop owners may need, including:
Garage Keepers Liability Insurance—This coverage is designed for businesses that offer towing, operating service stations and store vehicles. It protects customers’ vehicles while they are kept at the shop.
Garage General Liability Insurance—This type of coverage is a type of commercial general liability insurance that covers typical incidents that could occur in a garage, such as a customer slipping in a puddle of oil.
Commercial Property Insurance—This type of policy can protect your business from various exposures common in auto garage shops, such as flammable chemicals and materials used for repairs.
Commercial Auto Insurance—This type of coverage protects businesses that use vehicles for commercial purposes, such as towing or providing mobile auto repair services.
Equipment Breakdown Insurance—This coverage protects key machinery like jacks and lifts in case they must be repaired so that your shop can continue normal operations.
Business Interruption Insurance—This coverage can assist policyholders in the event that operations are interrupted for various reasons, such as fires, part recalls or natural disasters.
Environmental Liability Insurance—This type of coverage protects shops in the event that they are responsible for an environmental incident that incurs fines or cleanup costs.
Workers’ Compensation Insurance—This coverage protects businesses in the event of a workers’ compensation claim being filed. Auto garage shops face a wide variety of risks related to workers’ compensation, such as shocks, burns, hearing loss, heat exhaustion and musculoskeletal disorders.
Your auto repair and garage shop may also find it advantageous to acquire a Business Owners Policy (BOP). This type of package includes a number of key insurance coverages under a single premium. However, shop owners must be aware that a BOP may not include every type of protection their shop might need. Your Jean Deese Insurance agent can help you assess your shop and provide insight into recommended policies.
Make the Right Decision for Your Business
Potential liability abounds in auto garage shops. Not only is your business entrusted to repair or maintain potentially valuable property, but you are also expected to stick to deadlines and deliver quality service in a timely fashion. Accidents that result in property damage or even work delays can have serious consequences. Fortunately, having the right insurance package can help you manage or minimize the ramifications of an incident.
Jean Deese Insurance is more than capable of helping shop owners assess their coverage needs and acquire an optimal insurance package. Request a quote or contact us to find the right policies for you.