TUNE UP YOUR BUSINESS
WITH CUSTOMIZED AUTO SERVICE INSURANCE
Square's auto service and repair insurance provide tailored coverage at an affordable price for car wash, repair shop, or body shop businesses.
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Whether you’re opening your first location or expanding your services, we’ll help you quickly get set up online so you don’t need to pump the brakes on your business.
WHY DO AUTO SERVICE AND REPAIR BUSINESSES
NEED BUSINESS INSURANCE?
Auto service and repair business insurance gives you peace of mind while you’re working on cars. A lot can go wrong when you deal with large, expensive and complex machinery.
For example, a mechanic could accidentally damage a customer’s car or someone might file a lawsuit claiming you did shoddy work.
Having the right types of insurance for your shop or car wash means you won’t have to pay entirely out of pocket if an accident does happen.
Liability insurance can help cover costs if you accidentally damage someone’s property or — maybe even worse — someone accuses you of subpar work.
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These coverage options can help you get coverage for your business:
General liability is often the first type of coverage bought by many business owners in the auto industry. You and your staff are constantly working with vehicles that don’t belong to you. It’s probably not hard to imagine that at some point you could cause or be blamed for damaging a customer’s property or an injury if someone slips and falls at your shop.
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Garagekeepers liability is included in your general liability (Pro and Pro Plus) policy to cover damage to cars that you are servicing. If your mechanic drives a customer’s car into a service bay and hits a bollard, denting the side of the car, garagekeepers liability insurance would help to cover the repairs to the body of the car.
HOW AUTOMOTIVE REPAIR LIABILITY INSURANCE
PROTECTS YOUR BUSINESS
HOW MUCH DOES CAR SERVICE AND AUTO SERVICE
BUSINESS INSURANCE COST?
OTHER IMPORTANT BUSINESS INSURANCE COVERAGE FOR AUTO SERVICE AND REPAIRS
Liability insurance is a good place to start to make sure you’re covering the basics. You can also add other types of insurance — customized to suit your needs — to protect other parts of your business.
FAULTY WORK COVERAGE
Faulty work insurance helps to cover professional mistakes or work that is considered less than awesome. If a customer claims the transmission in their car doesn’t work how it used to after you service it, faulty work would help to defend you against the claim.
HIRED & NON-OWNED AUTO (HNOA)
Hired & non-owned auto coverage is required for longer test drives off your lot. It can also provide protection if an employee sometimes uses a personal vehicle for work. Add HNOA coverage to a general liability policy for coverage when you or your employees drive a customer’s vehicle.
COMMERCIAL PROPERTY INSURANCE
Commercial property helps protect your business equipment, inventory, furniture and the brick-and-mortar structures you own. Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire. It can also help to replace inventory, such as if a fire breaks out in your shop.