Operations this guide may include
- Mechanical repair, diagnostics, and scheduled maintenance
- Tire, brake, exhaust, transmission, and specialty service
- Oil-change and quick-service operations
- Shops with towing, roadside assistance, parts sales, or vehicle storage
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Which repair, installation, inspection, and specialty services are performed?
- How many customer vehicles may be in the shop or lot, and what is the maximum value?
- Who test-drives, picks up, delivers, or otherwise operates customer vehicles?
- Are towing, body work, welding, painting, performance modifications, or used-vehicle sales involved?
Coverage topics to discuss
Garage liability
Liability considerations arising from covered garage and vehicle-service operations.
Garagekeepers
Potential protection for covered customer vehicles in the business's care, custody, or control.
Property and equipment breakdown
Building improvements, tools, lifts, diagnostic equipment, inventory, and mechanical-breakdown considerations.
Pollution liability
A separate coverage discussion involving fuel, oil, solvents, batteries, waste, and environmental events.
Information worth preparing
- Complete service and revenue breakdown
- Employee, driver, license, and test-drive procedures
- Customer-vehicle capacity and maximum values
- Building, equipment, fluid-storage, security, current insurance, and loss details
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Explore this guide →This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.