If you have an auto body shop, you’re probably on the hunt for the best auto repair shop insurance out there. Businesses need a financial safety net – and that’s where your insurance comes into play. There are a number of coverages out there to protect your auto body shop, but how do you get auto shop insurance? What is the process of getting great auto body shop insurance? We’ll explain how to get insurance for your business.
How to get auto shop insurance quotes.
1. Consider the coverages you need.
The first step when you get auto shop insurance is to familiarize yourself with the coverages that can protect your auto body shop from the various risks you face on a day-to-day basis.
Some of the coverages you can consider are:
- General liability
- Worker’s comp
- Property
- Garagekeepers
Let’s take a look at these different insurance coverages.
General liability:
General liability insurance can help you out if you face a liability-related claim of bodily injury or property damage.
For example, if one of your customers trips and falls in your parking lot, they could hold you responsible. General liability insurance can help you cover the costs you’re legally obligated to pay to the injured person (like medical expenses and court-ordered awards or settlements.) It can also help cover your legal fees if they sue you – lawsuits can become super expensive.
The bottom line is that since you have customers coming on and off your premises, general liability is a big deal.
Worker’s comp insurance:
Worker’s compensation insurance helps cover your employees’ medical bills and a portion of their lost wages if they’re injured on the job. It helps your employees take care of themselves so they get the medical care they need and their bills get paid.
Since your line of work comes with a lot of risks worker’s comp is another essential coverage for auto body shops. Of course, you don’t want to see any of your employees get hurt on the job, but accidents happen – no matter how experienced or careful your employees are.
Protect your business. Get a quick auto shop insurance quote today.
Property insurance:
Okay, so here’s the thing – there are a lot of flammable things in your auto shop, from paint to solvents to chemicals to oil and gasoline. And that’s why it’s important to have the right property insurance for your shop. It can protect you against losses like fire and lightning.
The physical premises of your shop is a pretty significant investment, so it’s important that your shop is protected with property insurance. A fire could be devastating for your business.
Garagekeepers:
Another coverage for auto repair shops to consider is garagekeepers insurance.
Garagekeepers is coverage for the clients’ cars in your care, custody, and control. Of course, as an auto shop, you take charge of a lot of vehicles that belong to customers. Since you’ve got care, custody, and control of the cars and you’re keeping them on your property, you could be held responsible if anything happens to them. Garagekeepers insurance generally covers losses like fire, vandalism, theft, and explosion.
2. Get auto shop insurance quotes.
The next stop after getting familiar with the coverages to consider for your business is to go about getting quotes for auto shop insurance. Okay – before you let yourself get overcome with dread at the prospect of dealing with insurance, let’s go through the quoting process so we can give you the scoop on how it works.
- You reach out to us and let us know you need auto body shop insurance.
There are a few different ways you can get in touch with us to start with getting auto repair shop insurance quotes. You can fill out our quick online form, which allows us to collect the information we need to get auto shop insurance quotes. You can message us on Live Chat if you’re more the messaging type. Or you can just give us a call – we’d be happy to talk on the phone.
- One of our agents will reach out to you.
After you let us know you’d like some quotes, one of our agents will reach out to introduce themselves and ask some questions about your business. We just need to find out what your situation is so we can get the most accurate quotes possible. We’ll go over the different coverages you might need. But don’t worry – we won’t take up much of your time. We know you’re busy, and we want to make insurance as easy as possible.
- We go shopping.
Then we go and get your quotes for auto shop insurance. We will go to different carriers to see what rates they will offer you. We have relationships with many carriers, so we’ll help you find great coverage at a great rate. (And again we have a goal of making insurance easy!)
- We bring back your insurance quotes.
We’ll give you your insurance quotes and go over your options with you. We’ll answer any questions you have and explain anything that needs explaining. Then, you decide on the coverage that’s right for you and we’ll help get everything finalized.
- We’re here to help.
You won’t have to deal with your insurance alone. We’re available by phone, LiveChat, and email so you can reach us in whatever way is most convenient for you. We have an entire team dedicated to account management, and they’re happy to answer your questions and help with your insurance needs.
Ready to get auto shop insurance? Give us a call, fill out our online quote form, or message us on Live Chat. We’re here to help.