Did you know that if you own or operate an auto repair shop or are a garage keeper then you need to have a Worcester, MA garage liability insurance policy in place? As you know, running a garage takes a substantial investment in both money and time. That means you need to fully protect your business as much as humanly possible. The good news is that a Worcester, MA garage liability insurance policy is a cost effective and affordable way to do that. You face countless risks on a daily basis, however you can breathe a lot easier and actually get some sleep at night knowing that your business is protected by garage liability insurance policy.
In fact, Worcester, MA garage liability insurance policies cover the various protections that you need. That’s why most of these policies contain multiple coverages. So, what exactly are these protections that your Worcester, MA garage liability insurance covers? Although the particular programs are based on your particular needs and are created by your independent insurance agency on a custom basis, there are a few basic items that should be included in any Worcester, MA garage liability insurance policy for your auto repair shop.
For example, commercial property coverage covers your equipment, any tools that are left on site, and your facility. Commercial auto coverage covers your tow trucks, loaner vehicles, and any other business vehicles. Crime coverage covers theft that is committed by burglars or even by your employees. Business interruption coverage typically covers loss of revenue that is caused by certain incidents such as a fire that forces you to shut down for a period of time. General liability insurance covers accidents that happen to visitors at your facility.
For example, if you don’t notice that you spilled oil on the floor, and a customer slip and falls on that oil, you’re covered for the damages. Garage keepers’ liability insurance covers your customer’s vehicles while they’re located at your facility. For example, if you have a fire that damages your customer vehicles, that damage is covered under the policy. If you’re wondering how your Worcester, MA garage liability insurance costs are calculated, there are actually numerous factors that come into play. For example, it depends on the location of your auto repair shop, the type of work that you perform, the number of vehicles that you repair, your past claim history, and the limits, deductibles and coverage that you choose.
If you own a garage or auto repair shop in Worcester, MA or surrounding areas then you need to ensure that you have the proper insurance coverage in place. We can help you get the best deal on all of your personal and or business insurance needs. Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies.
Please call (508) 831-0133 to contact an associate at Zawada Insurance to walk you through the details of your Worcester, MA garage liability insurance policy and explain your coverage options. We look forward to helping you with all of your personal and or business-related insurance needs now and in the future.