Auto shops provide a vital service for the local community. Nearly everyone has a car, and you offer the specialized care that keeps those vehicles on the road. Your employees oversee expensive parts for those cars and often work with pricey equipment to get the job done quickly and effectively. You have worked hard to earn your reputation within the area. Do you have insurance to protect your shop if the unexpected should happen?
Insurance for mechanics can deliver the peace of mind you need to concentrate on doing your job better. When you get this protection, you can worry less about little things that can happen to any shop, such as a customer slipping and falling, and instead concentrate on giving your customers the excellent service they expect. Read on to learn why you should get insurance and what you should look for in your policy.
Why Should Mechanics Get General Liability Insurance?
General liability insurance covers your shop if your customers get hurt or their property becomes damaged. You work hard to maintain a safe business environment, but sometimes, things happen that you cannot anticipate — such as a piece of equipment failing and resulting in harm to a car you were working on. In this case, general liability insurance can cover the repair expenses.
General liability will even help you in the circumstances you cannot foresee. For instance, say you install a particular type of windshield wiper that is later found to damage cars. General liability protects you from having to pay for your customer’s losses from this product. You may want to consider a business owners policy, which will include both general liability and property coverage that encompasses all your assets.
What to Look for in an Auto Service Insurance Policy
If you’ve never bought insurance before, you may be uncertain of what to look for. A good mechanics insurance policy should include:
- Coverage for Income Loss: This protects you from money loss if you have to shut down your business due to unforeseen circumstances, such as damage from a storm.
- Coverage for Premises Liability: This covers your shop if a customer gets injured on your property.
- Coverage for Property Loss: This guards against damage from unforeseen circumstances, such as fire or vandalism
You can discuss things that may be specific to your situation, too. Auto shop owners in Lebanon, Harrisburg and other areas we serve at Strock Insurance should consider the winter weather of Central PA, which typically brings snow and ice that could result in unexpected damage to cars you’re waiting to service.
Get a Mechanics Insurance Quote From Strock Insurance
Are you ready to make an investment to safeguard the auto shop business you have put so much time and effort into building? Strock Insurance can assist you. Get in touch with us today to learn more about general liability insurance and other policies we offer. You can give us a call in one of our three local offices, contact us online or request a quote.
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