Auto Repair Garage Insurance in Huntington Beach, Huntington Beach, CA
For over 30 years, INM Insurance Services has provided auto repair business owners with the proper coverage to protect themselves, their assets, and their employees. We have extensive experience in this industry and we take the time to get to know each customer we work with to understand their needs, and create a custom coverage plan. This gives the insured peace of mind knowing there are no gaps in coverage.
How Does Garage Insurance Work?
Garage insurance is a contract between your company and an insurer. The insurance company provides financial protection after a covered loss in exchange for premium payments.
In the event of third-party injuries or property damage, the injured party may file a claim against your company’s liability policy.
If your business is facing a covered loss, you can make a claim. Your insurance company will assign an adjuster to your case and determine the appropriate amount of compensation for a covered loss.
If you need to make a claim, your agent can assist you.
What Does Garage Liability Insurance Cover?
Garage liability insurance may help cover claims involving bodily injury or property damage that occur during business operations. It is commonly used by businesses that service, store or sell vehicles. Coverage may apply to incidents connected to customer interactions, test drives or shop activities.
What Is Considered a Garage for Insurance Purposes?
For insurance purposes, a garage typically refers to any business involved in vehicle-related services. This can include auto repair shops, dealerships, body shops or towing operations. The classification depends on the nature of the work performed and how vehicles are handled.
How to Get Garage Insurance
To get garage insurance, contact an agent who understands vehicle service businesses. You’ll need to provide details about your operations, employee roles and property use. The agent can help you explore policy options that match your business activity.
What Kind of Insurance Does an Auto Repair Shop Need?
The types of insurance you choose for your auto repair business depend on your situation and your risk exposure.
After learning more about your business, your agent may recommend you start by purchasing general liability insurance. This coverage helps cover liability claims and some lawsuits. If you have employees, you may also need workers’ compensation insurance to comply with California’s laws.
Your agent can help you choose coverage suited to your repair shop’s needs.
How Much Is Auto Repair Shop Insurance?
Your auto repair shop’s business insurance coverage costs may vary when compared to similar businesses. Insurance companies use information about your location, your company and your policy to determine your business insurance premiums.
The best way to evaluate your potential insurance costs is to work with your agent. We can help you get personalized quotes from high-quality insurers.
Auto Repair Garage Insurance Coverage Details
From accidents with heavy machinery, to injured employees, and damages to customer vehicles; we understand the risks involved with the auto repair industry. T
Our auto repair garage insurance coverage includes:
- General Liability
- Products & Completed Operations Liability
- Hired & Non-Owned Auto Liability
- Medical Expense
- Damage to Rented Premises
- Garage Keepers Liability (Direct Primary & Legal Liability)
- Property Coverage
- Employees Tools Property Coverage
- Pollution Liability
- Worker’s Compensation
- Money & Securities
- Business Income
Experienced agents working for you
Our agents have worked extensively on this type of coverage for many years. We work very closely with the insured and our partners to ensure additional requests are handled in a timely manner. Prior to placing a policy into effect, we review the coverages line by line with the insured to confirm all limits are adequate for business.
Call or contact us today to learn more. To get started on a policy, request a quote.