Automotive Body and Collision Repair

Running an auto body/collision repair business involves various unique risks specific to your industry, and having the right insurance coverage is crucial to protecting what’s important to you from potential financial losses. First and foremost – an experienced agent: Mike Vanlue with ISE Insurance Services has been protecting collision repair businesses just like yours for 30 years. He has the expertise to make sure you have the right coverage at the lowest available price.

Garage Liability Insurance:

• • Covers bodily injury and property damage that may occur on your premises or as a result of your business operations, such as test drives or accidents involving customer vehicles.

Garage Keepers Insurance:

1. • Protects customer vehicles while they are in your care, custody, or control for repair or storage. This coverage is essential for auto repair businesses.

Property Insurance:

1. • Safeguards your business property, including the repair shop, equipment, tools, and inventory, against perils such as fire, theft, vandalism, and natural disasters.

Business Interruption Insurance:

1. • Helps cover lost income and operating expenses if your business is temporarily shut down due to a covered peril, allowing you to recover financially during the downtime.

Commercial Auto Insurance:

1. • Covers liability, physical damage, and medical payments for vehicles used for business purposes, including customer vehicles during test drives or while in your possession for repairs.

Workers’ Compensation Insurance:

1. • Mandatory in many places, workers’ comp provides coverage for medical expenses and lost wages for employees who are injured on the job.

Tools and Equipment Insurance:

1. • Protects your valuable tools and equipment used in the auto repair process from theft, damage, or loss.

Product Liability Insurance:

1. • Provides coverage in case a repair or replacement part you install on a customer’s vehicle is defective and causes injury or damage.

Employment Practices Liability Insurance (EPLI):

1. • Protects against claims related to employment issues, such as wrongful termination, discrimination, or harassment.

Cyber Liability Insurance:

1. • Protects against financial losses resulting from a data breach or cyberattack, especially important as auto repair shops store sensitive customer information.

Environmental Liability Insurance:

1. • Covers the costs associated with environmental cleanup in case of accidental spills or contamination, which is relevant due to the handling of automotive fluids and materials.

Commercial Umbrella Insurance:

1. • Provides additional liability coverage beyond the limits of your primary liability policies, especially important if faced with a large lawsuit.

Crime Insurance:

1. • Protects against theft, fraud, or embezzlement by employees or third parties.

It’s crucial to work with an experienced insurance professional to assess the specific risks of your auto body/collision repair business and tailor an insurance package that meets your unique needs.

Contact Us

Contact the insurance experts at ISE Insurance today to see how we can protect what’s important to you.