Coverage That Works as Hard as You Do
Our bundled policy goes beyond convenience — it delivers coverage that’s built for the real risks you face in the shop every day. Here’s what’s under the hood:
Garagekeepers Liability (ALS)
Every vehicle behind your bay doors is your responsibility. If a customer’s car is damaged due to fire, theft, or vandalism while in your care, Garagekeepers coverage with Actual Loss Sustained pays out based on the vehicle’s true value — not a preset limit. That’s protection that reflects your commitment to customer trust.
Mechanics Errors & Omissions
Mistakes happen. Maybe a repair doesn’t hold up, or a misdiagnosis leads to further damage. Mechanics E&O can cover the financial fallout, helping protect your business from service-related liabilities. So even when something slips through, your shop doesn’t stall out.
Employee Tools Coverage
Your techs rely on their own tools every day — often worth thousands. If a fire, theft, or another covered loss hits, Employee Tools Coverage helps get those tools replaced fast. Because an idle bay costs you time, money, and momentum.
Property Coverage
Whether it’s lifts, compressors, diagnostic systems, or your customer waiting area, your shop is full of valuable equipment. Property Coverage protects the building and what’s inside it, helping you rebuild and reopen quickly if disaster strikes.
Data Compromise Coverage
You protect your customers' vehicles — but what about their data? In the digital age, a breach can be just as damaging. Data Compromise Coverage helps you respond to cyber incidents quickly and responsibly, including customer notification and credit monitoring, so you can keep your reputation intact.
General Liability Coverage
From oil spills in the service bays to a slip in the waiting room, accidents happen. General Liability coverage protects you from everyday risks, whether it’s bodily injury, property damage, or legal defense. It’s the first line of defense for your business.
Looking Beyond the Bay: Protecting What Drives the Business
While not part of your Businessowners Policy, it’s worth considering the role of key person life insurance. Key person coverage helps protect your shop’s future if an essential team member — like an owner, lead tech, or top manager — were to pass away unexpectedly. It ensures continuity and provides financial stability during a difficult transition. Key Person life insurance may also let you reward your top employee, so they might not consider leaving for another job. Some policies build cash value that can be distributed to this person as a part of a retirement plan and as an incentive for staying with the business. For more information on Key Person Life Insurance, click here.