Garage Insurance: Protecting Your Business, Assets, and Profits

Why Garage Insurance Matters!

Running an auto repair shop, body shop, or dealership means dealing with valuable assets, heavy machinery, customer vehicles, and constant risks. From accidental damage to liability claims, garage businesses face unique challenges. Garage Insurance ensures you’re covered against unforeseen losses, keeping your business safe and profitable.

Key Objectives of Garage Insurance

A well-structured Garage Insurance policy should:

• Protect Your Business from Liability – Covers third-party injuries or property damage caused by business operations.
• Secure Customer Vehicles – Ensures cars in your care are protected from damage, theft, or accidents.
• Safeguard Business Property – Protects your shop, tools, and equipment against fire, theft, vandalism, and natural disasters.
• Ensure Employee Safety – Provides workers’ compensation to cover employee injuries and medical expenses.
• Minimize Financial Losses – Reduces out-of-pocket expenses in case of legal claims or property damage.
• Comply with Legal Requirements – Helps meet state-mandated insurance requirements for garage businesses.

What Does Garage Insurance Cover?

A comprehensive Garage Insurance policy typically includes:

1. Garage Liability Insurance

• Covers bodily injury and property damage claims from customers or third parties.
• Protects against lawsuits related to accidents occurring on your business premises.

2. Garage Keepers Insurance

• Covers customer vehicles stored or being worked on in your shop.
• Protects against damage from fire, theft, vandalism, and accidents.

3. Commercial Property Insurance

• Covers your building, tools, and equipment against fire, theft, and disasters.
• Helps repair or replace expensive machinery in case of damage.

4. Workers’ Compensation Insurance

• Covers medical bills, lost wages, and rehabilitation for injured employees.
• Helps you comply with state labor laws and avoid costly lawsuits.

5. Business Interruption Insurance

• Covers lost income if your business is forced to close temporarily due to a covered event.
• Ensures you can pay rent, utilities, and employee wages during downtime.

6. Commercial Auto Insurance

• Covers company-owned vehicles used for business operations.
• Protects against accidents, vehicle damage, and liability claims.

7. Equipment Breakdown Insurance

• Covers repairs or replacement of essential machinery if it fails due to electrical or mechanical issues.
• Reduces downtime and ensures business continuity.

Cost-Saving Tips on Garage Insurance

Insurance is a necessary investment, but there are ways to lower your premiums without sacrificing coverage:

• Bundle Policies – Combining garage liability, property insurance, and workers’ compensation under one provider can lead to discounts.
• Improve Workplace Safety – A clean, well-maintained shop with safety protocols can reduce accident risks and lower insurance costs.
• Choose a Higher Deductible – Opting for a higher deductible can reduce your monthly premiums.
• Implement Theft Prevention – Installing security cameras, alarms, and proper locks can lower theft risks and insurance costs.
• Train Employees Regularly – Reducing workplace accidents by training employees on safety procedures can lead to lower claims and reduced premiums.

Why Choose Cal-Society Insurance for Garage Insurance?

At Cal-Society Insurance  Services, we specialize in providing tailored, affordable, and comprehensive insurance coverage for auto-related businesses. Here’s why we’re the right choice:

• Industry Expertise – We understand the risks unique to garage businesses and customize policies to fit your needs.
• Competitive Rates – We work with top carriers to provide the best coverage at the lowest rates.
• Fast & Hassle-Free Claims – We help you navigate claims efficiently to minimize downtime and losses.
• Excellent Customer Support – Our expert agents are available to answer questions and assist with policy adjustments.

Protect Your Business Today!

Running a garage means working with risks every day. One accident, lawsuit, or theft could set you back significantly. Don’t wait until it’s too late! Protect your business, assets, and employees with the right Garage Insurance policy.

Call Cal-Society Insurance Today! 1-800-773-1663
Visit: www.calsociety.com

Secure your shop and focus on what you do best—keeping cars on the road and customers happy!