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Insurance for Auto Servicing & Repair Shops

Customers entrust their vehicles to you for servicing and repairs. You’ve built a great reputation because you get the job done well and on time. With your operations come inherent risks, like customer slips and falls when dropping off or picking up a vehicle, employee theft, business interruption, worker injuries, and damage to a customer’s vehicle while in your care, just to name a few. The professional staff at Arroyo will secure the insurance coverages you require to mitigate your risks and help keep your auto repair shop running smoothly. As an independent agency, we work with many insurance carriers to find you the most comprehensive coverage at a competitive price. 

Ensure Solid Protection for Your Shop

Following are several of the key insurance coverages you need to consider when protecting your property, assets, people and customers.

  • Commercial Property: Protects your business in the event of fire, vandalism, smoke, theft or other event that damages your property. The policy also covers lost inventory, office equipment, computers and more.
  • Business Interruption: Pays for rent, payroll and other expenses if your shop has to close temporarily due to an unforeseen covered disruption.
  • General Liability: Protects you from the costs of lawsuits related to accidents, property damage and a variety of other mishaps.
  • Garage Liability: Covers bodily injury or property damage caused by an accident arising out of garage business operations.
  • Garagekeepers Liability: Protects you if a customer’s vehicle is damaged while in your care, custody or control.
  • Commercial Auto: Covers any of the vehicles that your business owns. In addition, you need Non-Owned Auto coverage if you have any employees who drive their personal vehicles for business purposes.
  • Employee Theft & Crime: Protects your business from the costs of theft, dishonesty and fraudulent acts committed by a single employee or a group of employees.

Of course, you also need Workers Compensation insurance to step in should one of your employees get injured or ill while on the job. There are other coverages we will review with you, depending on the services you provide. We can bundle your coverages under one master policy, our Business Owners Policy specifically designed for the auto service industry.