Garage Insurance

Mechanic working under the hood of an automobile.

If you own a garage, having adequate insurance could be the deciding factor in whether you stay in business. Accidents happen and things don’t always go right. Errors, injuries, or property damage could lead to a lawsuit and a financially disastrous judgment against your enterprise.

Types of Garage Insurance

Most auto trade businesses need some type of garage insurance to protect against loss. This includes towing companies, body shops, auto repair shops, muffler shops, radiator shops, and transmission shops. Garage insurance may include general liability, a business owner’s policy, workers’ compensation, garagekeepers legal liability, and business interruption insurance.

General Liability

This is a fundamental part of garage insurance coverage that can provide protection against financial liabilities resulting from accidents, building damage, and other causes.

Business Owner’s Policy

A BOP provides protection in addition to basic liability, including loss of income, property, and identity theft.

Workers’ Compensation

Workers’ comp insurance covers medical expenses and a portion of lost wages for employees with work-related injuries or illnesses.

Garagekeepers Legal Liability

Service stations and towing businesses may need this coverage to protect vehicles that are being worked on or held.

Business Interruption Insurance

This coverage helps you pay your bills, stay in business, and pay for a temporary business site if an unexpected event interrupts your operations.

The cost of garage insurance depends on various factors, including the type of business, the quantity and value of property and equipment, the number of employees, and the business location. At Joy Insurance in Middletown, New York, we know insurance. Our agent can design a garage insurance strategy to meet all your business insurance needs.

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