Garage Insurance: Protect Your Business, Employees, and Data
Owning and operating a garage comes with a lot of responsibilities. From handling customer vehicles to maintaining expensive equipment, there’s a lot at stake. That’s where garage insurance comes in. It provides comprehensive coverage that protects your business, assets, employees, and customers. Whether you own an auto repair shop, a body shop, or a car dealership, having the right garage insurance is critical to avoiding financial losses.
Let’s break down what garage insurance covers, why it’s essential, and how Huff Insurance can help you find the perfect policy.
What is Garage Insurance?
Garage insurance is a specialized type of business insurance designed for businesses that work with vehicles, such as:
- Auto repair shops
- Auto Detailers / Car Washes
- Body shops
- Auto Glass Shops
- Car dealerships
- Towing companies
- Tire shops
- Oil change service providers
- Valet Parking
- Impound Yards
Garage insurance combines different coverages into one policy, protecting against a wide range of risks, including damage to vehicles, property loss, and liabilities associated with running a garage.
Key Coverages of Garage Insurance
- Garage Liability Insurance
This part of the policy covers bodily injury and property damage caused by the day-to-day operations of your garage. For example, if a customer slips and falls while at your garage, this insurance can help cover medical expenses and legal fees. - Garagekeepers Insurance
Garagekeepers insurance protects your customers’ vehicles when they are in your care, custody, or control. Whether they’re in your shop for repairs or parked on your lot, this coverage will pay for any damages due to fire, theft, vandalism, or accidents. - Business Property Insurance
This coverage protects your tools, equipment, office furniture, and the building itself. It covers losses due to fire, theft, vandalism, and other covered risks. - Commercial Auto Insurance
If your garage operates tow trucks or service vehicles, commercial auto insurance will cover any damage to your business vehicles, as well as liability for accidents caused by your drivers. - Workers’ Compensation Insurance
Workers’ compensation is necessary for protecting your employees if they get injured on the job. It helps cover medical expenses and lost wages. - Product and Completed Operations Coverage
If your shop is responsible for repairing a vehicle, and that repair fails causing an accident or damages, this coverage can help pay for the resulting claims. - Cyber Liability Insurance
Cyber liability insurance covers your business from financial losses due to cyberattacks or data breaches. If hackers gain access to your customers’ personal information or disrupt your operations, this insurance helps pay for recovery, legal fees, and notification costs. - Employment Practices Liability Insurance (EPLI)
EPLI provides protection from lawsuits related to employment issues like wrongful termination, discrimination, harassment, or retaliation claims made by employees. This coverage helps pay for legal defense and settlements.
Why is Garage Insurance Important?
Garage businesses are exposed to unique risks. Without the right insurance, an accident or mishap could lead to costly lawsuits or financial ruin. For example, if a customer’s car is damaged while in your care, or an employee is injured while repairing a vehicle, the financial burden could be overwhelming without proper coverage. Additionally, garage insurance provides peace of mind, allowing you to focus on running your business without worrying about potential losses.
How Huff Insurance Can Help
At Huff Insurance, we understand the unique challenges faced by garage businesses. As an independent insurance agency, we have access to multiple insurance markets. This allows us to compare policies and find the right garage insurance coverage at the best price for your business.
Whether you need a basic liability policy or a comprehensive package that includes garagekeepers insurance, EPLI, and cyber liability, our experienced agents can guide you through the process. We’ll tailor a policy that fits your specific needs and ensures that you’re fully protected.
Get a Garage Insurance Quote Today
Don’t wait until it’s too late! Protect your garage business today with a customized garage insurance policy. Contact Huff Insurance for a free, no-obligation quote. Our friendly, experienced, agents are here to help you every step of the way.
We make sure that you get the right coverage for the right price, so you can keep your business running smoothly without worrying about the unexpected.
Glass Shop
Body Shop
Repair Shop