Auto Services: Mechanics & Service Shops

You work on people’s hard-earned, highly valued assets while those assets are in your care, custody and control.

There are exposures that come from your work on the property - there are exposures that come from being responsible for the care of that property.  Your exposures are a little different than other businesses. Let us help you identify and manage those exposures with insurance products designed for your business, products that tend to be the most competitive but also provide the best coverage (thereby making them even more competitive because the premiums you pay do not go to waste).  

CORE Coverage Options

Commercial Auto

Whether used just for running errands or your shop offers towing services, your company’s autos can be a major source of risk.  

  • Pickup and delivery of customers
    • If your employees drive on the job, it will be important to ensure that coverage properly extends to situations in which they may be involved.  Also, it will be important to use the insurance process to ensure that their driving records and behaviors remain in check by coordinating relatively frequent MVR checks.  
    • Towing presents a more serious exposure due to the potential for damage to the vehicles being towed.  All tow truck drivers must be experienced in towing. Towing vehicles must be regularly checked, particularly the hoists and tow bars.  

Workers Compensation

Your workforce is working on and with heavy machinery, sometimes in more extreme conditions than others.  Injuries happen. It’s part of being a good mechanic. Workers compensation insurance is there to ensure that your employees receive the proper medical attention in the event they are injured on the job and this coverage enables you not to worry about a hospital bill or lost wages sending you into bankruptcy.  It’s hard enough to run a successful business without these things. Ensure your staff and your business is covered from injuries.

  • Garage Liability
  • GarageKeepers
    • Comes from damage that can occur to customers’ vehicles while in the repair shop’s care, custody, and control.  
  • Commercial Property

Additional Coverage Options

  • Business Income and Extra Expense
  • Employee DIshonesty
  • Equipment Breakdown
  • Medical Payments Coverage
  • Employee Practices Liability
  • Cyber Liability
  • Crime
    • Are from employee dishonesty and theft of money and securities either from holdup or safe burglary.  Background checks, inventory monitoring, control of the cash register, disciplined controls and division of duties.  

Client Executive:

Brett McMillian, CLCS

Client Executive
Commercial Lines

Meet Brett