Repair Shop Insurance in Kennesaw, GA

Owning and operating a vehicle repair shop requires careful consideration of many risks and exposures. Your customers and clients are entrusting you with some of their most valuable possessions and expensive investments, making you potentially liable for significant losses. Furthermore, repair shops often encounter inherent dangers, such as heavy machinery, hazardous materials, hot surfaces and sharp objects. Understanding and addressing insurance needs is critical.

What Is Repair Shop Insurance?

You may not be able to find repair shop insurance as a named product or prearranged package from many insurance carriers. Instead, this term generally refers to a combination of policies you can assemble to create a versatile and sufficient financial shield against relevant risks and perils.

What Does My Insurance Cover?

When considering your coverage needs, you should thoroughly assess your business’s unique circumstances, including its location, client base, workforce size and operational details. Although no two repair shops may have identical insurance needs, several types of policies may suit many in this industry. Consider the following:

Garagekeepers liability insurance can help offset financial losses if your business is responsible for damaging a customer’s vehicle while entrusted with its care.

Commercial property insurance can address many common incidents, such as fires and theft, by assisting with losses involving your shop’s buildings, equipment, tools and other physical assets.

Workers’ compensation insurance is typically required and can render financial aid if your employees are injured or become ill on the job.

Business interruption insurance may compensate your shop for reduced revenue and ongoing expenses if forced to temporarily close or delay normal operations.

General liability insurance can financially protect your business from third-party bodily injuries and property damage, such as if a client is harmed while visiting your shop.

Commercial auto insurance may be essential if your shop owns and operates its own vehicles, such as tow trucks.

Commercial umbrella insurance can provide additional liability coverage if third-party losses exceed your other policies’ limits.

Do I Need Insurance If I Operate From Home?

Indeed, even if you base your repair shop out of your home, you must secure appropriate insurance. Standard homeowners coverage does not typically offer coverage for business-related losses. Incidents affecting your commercial assets and business-related liabilities will require alternative coverage. Failing to address these needs could leave you facing devastating financial and legal consequences.

How Much Does Auto Repair Shop Insurance Cost

The cost of auto repair shop insurance varies depending on a range of factors, including the size of your shop, the number of employees you have and the types of services you offer. Your claims history, location and the specific coverages and limits you choose will also influence your premium. Speaking with an insurance agent is the best way to get an accurate quote tailored to your operation.

Is Insurance Required for an Auto Repair Shop in Georgia?

Georgia law requires businesses that operate vehicles to carry a minimum level of auto liability insurance, which applies to auto repair shops that drive customers’ vehicles. Beyond auto liability, other types of coverage may be required depending on the nature of your business and any lease or lender agreements you have in place. An insurance agent familiar with Georgia requirements and the Kennesaw, GA area can help you understand what your shop needs to stay in compliance.

How to Get Coverage Near Me

Contact D. Ward Insurance Services today to learn more about repair shop coverage options and compare personalized quotes.

Repair Shop Application

Full Legal Name of Business including any DBA(Required)

Full Name(Required)

First Last

What is your TITLE with the company or tell us what your Relationship is to the company?(Required)

Primary Number

Email(Required)

Mailing Address(Required)

City State / Province / Region ZIP / Postal Code

Number of Years in Business under Legal Name(Required)

Business Type(Required)

Address of Repair Shop(Required)

Physical Location of Garage Address City State / Province / Region ZIP / Postal Code

Type of Garage(Required)

Is the Garage Operation located at a Home?(Required)

Do You Own the Building?(Required)

Approximate Age of Building(Required)

Type of Construction(Required)

Approximate Sq. Footage of the garage-occupied area(Required)

What Type of Coverage Would You Like Quoted? Select All that Apply

Garage Liability

Garagekeepers

Workers Compensation

Umbrella for Higher Limits

Shop Contents

Shop Building

Cyber Liability

Employment Practices Liability Insurance (EPLI)

How Many Bays are at your Shop?(Required)

Where are the Vehicles Stored After Hours?(Required)

What Type of Repair Work is Being Performed?(Required)

What Type of Vehicles are you Working On?(Required)

Any Major Engine Repairs?(Required)

Any Frame Work Performed?(Required)

Do you share your lot premises with another business?(Required)

If yes, what business do you share your lot premises with? If no, type "NA."(Required)

Do you sell, rebuild, or repair autos with a salvage title?(Required)

Do you perform mobile repair services?(Required)

Do you have a tow truck?(Required)

If you have a tow truck, do you tow for hire?(Required)

How Many Owners/Officers?(Required)

Any Inactive Officer(s) - List full name(s) or type "NA"(Required)

Number of Full-Time Clerical Employees or type "None"(Required)

Number of Part-Time Clerical Employees or type "None"(Required)

Number of Mechanic(s) or type "None"(Required)

Number of Non Employees 1099 or type "None"(Required)

Mechanic #1 Full Name as Appears on License(Required)

First Last

Mechanic #1 Date of Birth as Appears on License(Required)

Mechanic #1 License State(Required)

Mechanic #1 Any violations, accidents or claims in 3 years(Required)

Mechanic #2 Full Name as Appears on License

First Last

Mechanic #2 Date of Birth as Appears on License

Mechanic #2 License State

Mechanic #2 Any violations, accidents or claims in 3 years

Mechanic #3 Full Name as Appears on License

First Last

Mechanic #3 Date of Birth as Appears on License

Mechanic #3 License State

Mechanic #3 Any violations, accidents or claims in 3 years

Mechanic #4 Full Name as Appears on License

First Last

Mechanic #4 Date of Birth as Appears on License

Mechanic #4 License State

Mechanic #4 Any violations, accidents or claims in 3 years

Do you employ additional mechanics? If so, please send a list to [email protected](Required)

Do you sell vehicles or equipment?(Required)

Do you allow customers to sell vehicles or equipment?(Required)

Do you currently have a Garage Liability Policy?(Required)

Name of current Insurance Company or type None(Required)

Has there been a lapse in coverage in the last 3 years?(Required)

Has the Repair Shop had any claims in the past 36 months(Required)

What Liability Limit of Insurance do you want quoted?(Required)

How did you hear about us? Please let us know(Required)

Is there anything else that you would like for us to know concerning your up and coming Renewal?(Required)

SIGNATURE REQUIRED

I have provided all of the above information for insurance purposes and I state all information is true to the best of my knowledge. I also understand that I am to discuss with the agent at D. Ward Insurance my desired limits and coverage.

By typing my name warrants my signature.(Required)

First Last

ADDITIONAL INFORMATION NEEDED

After you have submitted your quote request, we will start working on your quote and we will help assist with obtaining your claim history. The insurance carriers require us to show prior proof of coverage along with claim history. Thank you for your time and we will be in touch with you today unless this is after hours or on the weekend.

Untitled

By submitting this form, I agree to receive conversational text messages from D. Ward Insurance Services using the contact information provided. For help, reply HELP. Opt-out of receiving text messages at any time by sending STOP. Message and data rates may apply. Message frequency varies.

Please view our Privacy Policy at: Privacy Policy

Repair Shop Insurance in Kennesaw, GA

What Is Repair Shop Insurance?

What Does My Insurance Cover?

Do I Need Insurance If I Operate From Home?

How Much Does Auto Repair Shop Insurance Cost

Is Insurance Required for an Auto Repair Shop in Georgia?

How to Get Coverage Near Me

How can we help you?