Insurance for Ohio Mechanics and Auto Body Shops
From crinkled bumpers to full restorations or a body shop to a transmission shop, owning and maintaining a car is a big expense in most people’s lives. Some people have been known to name their vehicles. Some can’t tell the difference between a BMW and a Buick. Regardless, a vehicle is normally the second largest payment each month in a household.
Your garage business may be catering to truckers whose vehicle IS their business. Higher GVW’s mean greater values in vehicles and higher repair costs. Hydraulics can mean headaches. Do you have enough Auto Repair Shop Insurance coverage to pay the full value of the vehicles you may have in your care at any one time?
Auto Shop Insurance Keeps Your Business Well-Tuned
Caring for property of others leaves your business vulnerably on display with many of your customers’ vehicles inside buildings and sitting on open lots. A comprehensive Auto Body Shop Insurance policy can include coverage such as theft or damage to customers vehicles, or articles in their vehicles while on your lot or on the tow truck.
What damage might you or an employee do to the vehicle? Where is the coverage if the vehicle slips from the lift? An Auto Garage Insurance policy may cover the bill.
One of your most valuable possessions is that key mechanic. If he owns his own tools, it might be to your benefit to provide coverage for his tools. That coverage can be packaged along with your business property to include the commonplace losses such as windstorm or the more remote possibilities such as a flood or earthquake.
An Auto Repair Shop Insurance policy can provide coverage for environmental exposures such as:
- Leaking grease traps
- Leaking underground fuel and waste oil storage tanks and piping
- Paint residue from body shops washing into storm drains
Most garage businesses rely heavily on their HVAC systems and air compressors. An Ohio Auto Body Shop Insurance policy could pay the repair or replacement costs for a breakdown.
Would you have enough income insurance to maintain the salaries of your key personnel while you rebuild your business and resume your options after a fire? Is there enough money for the extra expenses involved with keeping your clients informed of your progress? An Auto Garage Insurance policy could keep your key personnel by providing you with the money to pay them.
In our litigious world, L. Calvin Jones & Co. always suggests that our clients be mindful of Employment Practices Liability and the need for excess liability in the form of an umbrella. Multi-million-dollar awards are becoming commonplace for the Auto Repair Shop industry.
Can you afford not to explore your Auto Shop Insurance options?
In contrast to many banks and financial services firms that also sell insurance, our single focus IS insurance and by using companies with expertise in garage risks, it means claims professionals who possess vast experience in the industry. They are dedicated to resolving your claim quickly and efficiently.
Worried about costs? Don’t be. We offer insurance with some of the most affordable protection available.