In today’s legal environment, it is no wonder that garage owners face operational challenges. It is critical that those garage owners’ insurance agents keep abreast of the viable markets within that field. We have that capability through our unique relationships with our insurers, who are competitive in auto repair businesses.
Business Insurance is not simple – if you do it right!
Insurance for Garages
Would our operations benefit from and qualify for
-Single Garage Coverage Form, rather than
-Separate General Liability and Automobile Forms?
If we have Garage Liability Coverage, has it been extended to cover liability arising from any food or alcohol I might sell?
Does the Automobile coverage under our Garage Coverage policy include
-Liability Coverage for Owned and Non-Owned Autos?
When we take a car on a test drive, do we have coverage both
-for injuries and damages we cause to the person we hit
-as well as coverage to the car we are testing?
If we already have Garagekeepers' Coverage, is ours the where the insurer can force out customer to prove we caused the damage, before it pays?
Do we have sufficient limits in our Garagekeepers' Coverage to cover all autos in our care, custody, and control?
Do I pay people to work for my business that I consider to be an employee or an independent contractor? If so...
Have I arranged Workers' Compensation Insurance to protect me from being legally responsible for damages suffered by either an injured employee or independent contractor?
Do I have the necessary extension to my Workers' Compensation policy to cover myself, officers, and partners if we are injured on the job?
Have I avoided buying Workers' Compensation insurance to save money? If so, have I compared those savings to the potential costs of not having coverage?
What is an Insurance Premium Audit? When would an Audit be performed? Who will conduct the audit? Do I need to be available to meet with the Auditor?
How will an Audit be conducted? Will someone visit in person? Might it be done over the phone? Will I need to provide a report?
What types of information will I need to provide? General information? Payroll information? Tax information? Sales information?
What do I need to do to prepare for my Audit? How should I organize my Payroll records? By policy period? By classification code? By overtime and regular?
What is included in Gross Payroll for Audit purposes? Should I request Certificates of Insurance from all my Subcontractors?
Auto Insurance Coverage
Are all autos titled under the name of the business? What are the limits of liability we purchased under the current business auto policy?
Do we have equipment attached or wrap painted on any units? Are we carrying tools or goods?
Should you buy the damage waiver offered by the Rental Company? Should you use the coverage offered by your Credit Card Company?
Should you purchase hired physical damage coverage from your Insurance Provider?
Are your employees running errands for your business with their own automobiles? If so, do you have Non-Owned Auto Liability Coverage?
Do we run Motor Vehicle Reports on employees using their own autos for business?
Do we know if these employees have automobile Liability Coverage? If so, do we know how much? Are we comfortable with our current Hired Non-Owned Auto liability limit?
Do we have Hired Auto Liability coverage? If we are renting a car out of state, will our current Texas Workers’ Comp cover our employees in those cars?
Automotive Body and Collision Center
Break Installation and Repair Wheel Alignment Shop
Glass Repair & Replacement
Electrical & Ignition Repair
Painting & Pinstriping
Transmission Service Shop
Tune-up and Emission Testing
Air Conditioning Repair
Oil Change and Lubrication
Tire Sales, Installation, and Service
Auto Accessories Shop
Car Wash Facilities