We offer Auto Repair Shop Insurance coverage in Massachusetts, Maine, New Hampshire, Rhode Island, Maine, New York and Florida.
Please ask one of our agents how we can provide you with insurance across multiple states.
What is auto repair shop insurance?
Running an auto repair shop involves significant investment, and it comes with substantial risk. Auto repair shop insurance may help protect the investments made in a Massachusetts repair shop against a variety of risks.
Auto repair shop insurance offers customizable coverages that can be tailored to the needs of service centers and repair shops. Policies normally protect against multiple liability and property risks.
What businesses in Massachusetts need to carry auto body shop insurance?
Auto body shop insurance is something that most Massachusetts vehicle service centers and repair shops should have. Policies can usually insure a variety of different repair shops. For example, this insurance is regularly purchased by:
- Independent mechanics and garages
- Auto dealership service centers
- Transmission repair specialists
- Auto body and paint specialists
- Glass repair and replacement specialists
- Custom exhaust fabricators
- Quick oil change locations
- Motorcycle repair shops
- Heavy-duty truck repair shops
Quotes Available in MA, RI, CT, NH, ME, NY and FL
What coverages should auto repair shops look for when getting insurance?
Auto body shop insurance policies can provide a variety of important protection that repair shops ought to look at. Some of the most common protections are:
An insurance agent specializing in auto body shop insurance can help shops review these and other coverages that may be available.
Do mechanics in need to have workers compensation?
The purpose of workers compensation is mainly to provide help for employees who are injured or become ill because of their job. Injuries are certainly a risk when repairing vehicles, which are often suspended overhead while they’re being worked on.
Massachusetts state law normally requires private businesses to carry workers compensation if they have employees. Auto service centers that employ mechanics or technicians should be prepared to get this coverage. Self-employed mechanics who work alone might not need it.
An insurance agent who’s familiar with auto shop policies can likely also assist with workers compensation.
Do auto repair shop policies cover customer items left in vehicles?
Auto repair shop policies typically don’t cover personal items that customers leave in their vehicles. Instead, shops often post disclaimers informing customers the shop isn’t responsible for personal belongings left in cars.
What do auto repair shops pay for insurance?
The cost of insuring an auto repair shop depends on many factors, often including location, services offered, vehicles worked on, and other details.
To find out how much insurance will cost in a particular situation, shops can look at quotes from different insurance companies with the aid of an independent agent. An independent agent is able to check custom quotes from several insurers that underwrite these policies.
Where can repair shops find good auto repair shop insurance?
If you need help insuring an auto service center and are in Massachusetts, contact the independent insurance agents at Coonan Insurance Agency. Our agents will work closely with you to determine coverage needs, and then help you find an auto repair shop insurance policy that meets those needs well. Together, we can make sure your garage is properly protected.
