Running a local mechanic shop? Understanding what is and isn’t covered and by which insurance policies can be confusing. Most garage businesses need general liability insurance which protects those business owners working in the garage and auto repair service industries. …but there is more to it than that.
The different types of insurances that cover mechanic shops expand the confusion. They may include: general liability insurance, garage-keepers insurance, workers compensation and more. Zawada Insurance Group is here to help clarify what you need and why.
How General Liability Insurance Works:
A general liability insurance policy will cover against a lawsuit and bodily injury costs while people are at your location. Given the nature of garage work, if an injury should occur, it could be severe, so it’s very important to make sure that you are getting the proper coverage.
Garage Keepers Insurance:
OK so we know that liability protects from bodily injury lawsuits …but what about the customers’ vehicles while they are at your shop? Garage Keepers will cover a customer’s vehicle from things such as weather damage, fire and even theft. Keeping a customer’s vehicle in your shop over night requires you to have this type of coverage.
Workers Compensation does just what it says; it covers your workers in an unfortunate event such as a work related injury. If you have more than one employee this insurance is required in most states and it will protect from further lawsuits stemming from any injury covered by Workers Compensation.
Custom Tailored Policy to Fit Your Business
These are just a small example of the complexities of garage insurance needs. No matter what type of auto repair services you offer, Zawada Group understands that one size does not fit all, so give us a call and we will guide you to the protection you need and the coverage you can count on to help your business run smoothly for the New Year and beyond!
Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.
Give us a call today to get your Garage insured the right way!