Auto Body Shop or Garage insurance refers to a group of policies protecting garage facilities from risks such as injuries, property damage, and human mistakes. Without these policies, a small business' reputation can be seriously tarnished and hard-earned money will go not to profits, but to payouts, even bankruptcy.
Some of the more common garage insurance policies are:
Body Shop Insurance covers the shop itself - the tools, the bays, the roofs, and all the equipment inside.
Garage Keepers Insurance covers the client cars you hold over night - do NOT assume your Body Shop insurance covers this!
Tow Truck Insurance - Being a vehicle, your tow truck (and any potential customer vehicles) is not covered under most Body Shop or Garage Keepers policies. Very few agents have fought to open the insurance markets for our clients Tow Trucks than ARM, bringing our clients the lowest rates possible.
Garage Liability Insurance provides liability coverage for any accidents resulting from your day-to-day garage operations. These accidents may result in bodily injury, personal injury or property damage, all of which can be covered within this policy.
A Business Owners' Policy (BOP) is perfect for individuals who need a bit more than the basic liability as business owners' policy (BOP) offers protection for incidents like identity theft coverage and loss of income.
Worker's Compensation Insurance covers medical costs, rehabilitation expenses and any lost wages an employee might experience after getting ill or injured on the job. It also provides financial support to the family of any garage employee who dies from a job-related injury or illness.
With all that garage insurance has to offer, many small auto-related businesses make the choice to purchase this valuable protection. You can do it, too. Give ARM Insurance Agency a call. We will give you a quote and tell you more about what this insurance can do for you and your small business. Get in touch with us today!