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Repair Shops

Vehicle repair shop insurance is critical for any business operating in the automotive repair industry. Whether it’s a small independent garage or a larger dealership service center, having the right insurance coverage is essential for protecting the business from potential financial risks and liabilities. Given the intricacies and risks involved in vehicle repairs, possessing thorough insurance coverage not only grants financial security but also provides peace of mind for both business proprietors and their clientele. 

What Is Repair Shop Insurance?  

Repair shop insurance may generally refer to various coverages designed specifically for businesses that provide vehicle repair services. This insurance can help protect repair shops from financial losses due to various risks they may face in their day-to-day operations. 

Typically, repair shop insurance policies may include the following coverage options: 

  • General liability insurance 
  • Property insurance 
  • Business interruption insurance 
  • Commercial auto insurance 
  • Workers’ compensation insurance 
  • Equipment breakdown insurance 
  • Professional liability insurance 
  • Garage keepers liability insurance 

The specific coverage and limits provided by a repair shop insurance portfolio can vary depending on the insurance carrier and the needs of the business. Repair shop owners must diligently scrutinize their insurance policies and collaborate with an insurance agent to verify they possess sufficient coverage tailored to their specific risks. 

Is Repair Shop Insurance Important?  

Repair shop insurance is essential for mitigating risks, safeguarding assets and ensuring the long-term viability of the business. Repair shops may be exposed to significant financial losses and legal liabilities that could threaten their operations and reputation without adequate insurance coverage. 

How Much Is Repair Shop Insurance? 

The cost of vehicle repair shop insurance can vary widely depending on several factors, including the size and location of the repair shop, the types of services offered, the value of the equipment and inventory, the number of employees, and the coverage limits and deductibles selected. 

To get an accurate quote for vehicle repair shop insurance, contact D. Ward Insurance Services. 



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