Your auto shop is a busy place. From blown head gaskets to broken fan belts — every day brings new surprises and new risks that can put your business up on blocks in a hurry. Trust American Family Insurance to keep your shop running smoothly so you can focus on doing the same for your customers’ vehicles.
What Is Auto Service and Repair Shop Insurance?
Your shop is your livelihood, and you can help protect that with Auto Service and Repair Shop insurance. This insurance can help cover you when the unexpected happens to you or your employees while on the job and helps protect your business from the financial costs of accidents, like loss of income or damaged property.
Custom-Built Auto Repair Shop Coverages
American Family’s auto service and repair shop program is powered by coverages that provide custom-built protection for the needs of garage keepers who repair cars and trucks. The program is not intended for businesses that include automobile dealership operations. Take a look at these coverages:*
Provides physical damage coverage for your customers’ vehicles while in your care, custody or control. Customize by choosing coverage that pays only for damages you’re legally liable for or coverage that pays for damages to your customers’ vehicles regardless of your legal liability.
Garage liability coverage
Provides liability coverage for accidents arising from your garage operations resulting in bodily injury or property damage, including accidents that occur while test driving your customers’ vehicles.
Building and business personal property
Provides coverage for your buildings and business personal property such as tools and computers.
Business income and extra expense
Provides coverage for actual loss of business income if your operations have to temporarily shut down due to a covered loss, and any extra expenses incurred to keep you business up and running after a covered loss.
Important business documentation coverage
Especially in today's electronic society, businesses generate mountains of critical documents. Losing them could be damaging to your business. Coverages like Accounts Receivable, Electronic Data and Valuable Papers can help repair, replace or restore your electronic and printed business records.
Additional Coverages to Consider for Your Auto Service Shop
Your auto repair business is unique to you, so your insurance policy should be customized to fit your needs. Check out these additional coverage options to consider for your auto shop.
Commercial umbrella insurance
Commercial umbrella insurance where your business liability coverage ends, giving you extra protection against legal, financial or medical incidents that could get your business dream off track.
Workers compensation insurance
Workers compensation insurance helps make sure you’re meeting the insurance needs required by your state’s workers compensation laws and regulations.
Commercial auto insurance
This coverage provides insurance protection for your business vehicles similar to the way your personal auto insurance protects your personal vehicle.
Employment practices liability
A lawsuit can seriously sidetrack your business goals. Employment practices liability can help protect you from court costs in the event an employee takes you to court.