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Are you a repair shop owner or manager? Does your business need an insurance tune-up?

Garage & Repair Insurance

Garage & Repair Insurance

Garage Keepers Coverage

Garage Keepers Coverage protects your customers’ vehicles when left to you to repair, service, park and store. This insurance helps protect your business if one of your customer’s vehicles is stolen, damaged in an accident while test driving, or if there is a fire in your garage. Consider how many vehicles your shop usually has in its care and the total value of those cars. If a serious accident happened, would your business have the proper coverage to bail you out?

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General Liability Insurance

General Liability Insurance is a fundamental coverage for garage and repair businesses, protecting against common risks that occur in and around your shop. It covers bodily injury, such as a customer slipping in your facility, as well as property damage caused during repair work. This can include accidental damage to a customer’s vehicle or nearby property while performing maintenance or using shop equipment. It also helps cover legal expenses, settlements, and judgments if a claim is made against your business.

In addition, general liability insurance may include coverage for personal and advertising injury, protecting against claims such as libel or slander related to your business operations. With customers frequently on-site and vehicles constantly moving in and out, this coverage helps ensure your business is protected from everyday liabilities.

Garagekeepers Insurance

Garagekeepers Insurance is specifically designed for businesses that store, service, or repair customers’ vehicles. It provides coverage for damage to a customer’s vehicle while it is in your care, custody, or control. This can include risks such as fire, theft, vandalism, or accidental damage that occurs while the vehicle is being serviced or parked at your facility.

This coverage is critical for protecting your business from costly claims involving customer vehicles. Whether you operate an auto repair shop, body shop, or service garage, garagekeepers insurance helps ensure that both your customers’ property and your business are protected from unexpected losses.

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Watch the short video to learn more!

What are my potential risks?

You may be the next generation of a family owned service station, a one-man shop with loyal customers, or a mechanic moving on from a dealership or franchise looking to start a business. You’re a hard worker and want your customers to come back and ask for your honest assessment when they hear a clatter under the hood or a warning on the dash lights up. But what if you get into an accident while test driving your customer’s car, or your roof collapses in a storm totaling all the cars in your shop. Serious accidents happen, and when they do, you want your customers to be confident that your business has the coverage to recuperate a loss. As you build your customer base, ask yourself, “What kind of disasters could stop my business in its tracks?”
It’s a hot summer day and your phone is ringing off the hook with customers whose cars are breaking down. Tow trucks are pulling up one after the other, and you call up all your part time mechanics to help manage the crazy day. All of the sudden an oil can catches fire and your employee burns his arm trying to put out the flames. Your phone rings and a police officer tells you that your other employee had a serious accident while test driving a customer’s vehicle, which has now been totaled and towed to the junk yard. Your customer is furious when he hears what has happened, and worse yet, you have two employees in the hospital with serious injuries. You receive a letter from an attorney claiming you owe $200,000 to replace a damaged antique car. Your agent explains you only bought the minimum workers compensation limits and health insurance will not cover the bills. Do you have enough garage keepers coverage to cover your customers cars? Did you buy an umbrella? These costs could start coming out of your pocket. ​Service stations and repair shops experience these disasters every day resulting in business failure and bankruptcy. As a garage owner, you want your customers to be confident in you, while you build your business and expand your customer base. Boynton Insurance Group has been in business since 1919, and our Garage Program Insurance Specialists can point out the benefits of coverage designed specifically for your business. We offer affordable insurance options to meet your needs today, and in the future as your business grows.

Your goal as a business owner is to keep your employees happy and, in turn, keep your business running smoothly.

At Boynton Insurance Group, we understand that necessity. Our representatives are here to help you create an insurance package that fits your business’s needs. Call today to set up a consultation.

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Boynton Insurance Group will help your business identify critical insurance risks and provide solutions for managing and transferring those risks. We can help you professionally respond to the insurance requirements of those contracts you hold with your clients. Our agency can provide various types of insurance for your business, including Workers Compensation, Property & General Liability, Electronic Equipment, Crime Insurance (including 3rd party), and more. A careful and customized review of your current coverage, business operations, and plans for future business development can help you gauge your business' particular risks. Our Technology Insurance Specialists are ready to guide your business with personal consultation and a carefully tailored insurance package.

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