OC Auto Repair Shop Insurance Tips
If you own an auto repair business in the OC, you need a specialized insurance policy to protect you. We provide the most competitive insurance rates for businesses such as:
- Auto Body & Repair Shops
- Auto Detailing
- Oil & Lube Shop
- Auto Paint Shop
- Engine Repair Shop
- Brake Repair Shop
Auto Service Garage Insurance
In addition to the auto dealer surety bond legally required for retail car dealers, California dealers should also purchase garage liability insurance. Learn more about this policy below, and request a quote from Absolute Surety today.
What is Orange County Auto Service Garage Insurance?
Auto garage liability insurance combines key features of general liability insurance and commercial auto insurance.
Garage keeper’s insurance, though typically a separate coverage, is often combined with garage liability insurance. All of these coverages can be combined with Worker’s Compensation, Business Property, Business Interruption, and Defective Parts and Workmanship coverages to create a custom, comprehensive business owner’s policy (BOP) for an auto dealership or other business that involves servicing and repairing motor vehicles.
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Who Needs Auto Repair Shop Insurance?
In California, Orange County auto repair shop insurance is not mandatory for any business. However, it is important to remember that there is no cap on the amount of damages that a court can award a plaintiff in a liability suit. California judges tend to make high damage awards.
It makes good business sense for businesses that have a significant risk of bodily injury or property damage to purchase a liability insurance policy with a high coverage limit.
Independent auto repair shops, and auto dealers that perform service and repairs on their premises are prime candidates for garage liability insurance. This is true for other auto-related businesses, such as:
- All auto repair shops
- Towing services and impound lots
- Car washes and detailing services
- Restaurants and hotels that offer valet parking
- Independent valet parking services
In short, any business that has temporary custody, care and control of customers’ vehicles needs protection. Additionally, if there is a risk of potential injury to customers in the course of auto repair, you need auto repair shop insurance. If either of these is you, please give serious thought to getting auto repair shop insurance quotes today.
How Does Orange County Auto Repair Shop Insurance Work?
Vehicle repair shop insurance is essentially a general liability policy that is custom-tailored to the needs of a given business. Specifically, it typically combines key aspects of general liability insurance with important features of commercial auto insurance. This unique insurance also includes a coverage known as garage keeper’s insurance, which covers some losses not covered by general liability or commercial auto policies.
General liability policies cover bodily injuries and property damage or loss suffered by non-employees as a result of normal auto repair shop operations. However, it does not cover damage to customers’ vehicles that occur while those vehicles are in the custody, care, and control of the business. To protect against damage to customers’ vehicles on the business’s premises or being driven or worked on by an employee, you’ll need to add garage liability coverage.
Auto Repair Shop Insurance Coverage
Auto repair shop liability coverage will pay for damages to a vehicle in the custody, care, and control of the insured business. It does not matter whether the damage is caused by the actions of an employee or those of a thief or vandal. Additionally, it also covers damage from fire, severe weather, or other events beyond the insured’s control. However, it does not pay for damage to or the loss of personal property in the vehicle, such as a portable GPS unit, briefcase or laptop.
How Much Does It Cost?
Most business owners will pay annual premiums in the range of $300 to $2,000 dollars for auto repair shop liability insurance. The exact amount will depend on factors such as the specific coverages included, the dollar limits on claims, and the size of the deductible selected by the insured when the policy is established. In the end, auto repair shop insurance policies protect your business in the event a customer’s vehicle is damaged, or a customer or employee gets injured.