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Quick Lube Shops

If you own and operate a Quick Lube shop, you most likely know that you’re open to more than a fair share of risks. These involve liability risks from potential damage or theft of customer vehicles along with employee risks of working with the heavy and often dangerous equipment and tools.

Changing the engine oil or motor oil is one of the most important things motorists can do to make sure that their vehicles will always run well and will be kept on the road for as long as possible. No matter how high-performance the manufacturer claims a vehicle is, the motor oil will still have to be replaced constantly over time because this oil, which is used to keep your vehicles’ internal combustion engines lubricated, eventually becomes contaminated by chemical by-products of the combustion process.

Complete insurance solutions for your quick lube shop business

You can probably think of having a comprehensive insurance coverage as the oil changing process itself. Oil changing ensures that a vehicle’s internal combustion engine runs smoothly by removing abrasive and clogging contaminants. Effective insurance policies likewise ensure that your business will keep on running by dealing with risks that threaten to interrupt your daily operations.

  • Commercial general liability insurance – By having your own quick lube shop business, you get exposed to a number of common liability risks. A commercial general liability insurance policy protects your business from common liability claims, including those for bodily injury, property damage, and advertising injury. For instance, if a customer slips and breaks a bone while inside your shop premises, this insurance policy can cover you financially if that person sues you for damages.
  • Garage keepers legal liability insurance – Customers bring their vehicles into quick lube shops all the time to get serviced by mechanics. If an accident occurs and these vehicles under your care get damaged, your garage keepers legal liability insurance policy can step in to provide coverage by paying for the vehicles’ repair or replacement.
  • Professional liability insurance – You might think that a relatively simple procedure like changing a car’s motor oil is a kind of service for which you don’t need to get insurance. However, it is highly recommended that all service-providing businesses, including quick lube shops, protect themselves with professional liability insurance. One can’t be too sure because some clients can sue for many reasons, reasons that may include the following: negligence; error in the services rendered; or not providing the service as advertised.
  • Commercial property insurance – Unforeseen events like fire, theft, vandalism, and civil disturbances like riots can bring your business operations to a halt. The fact that you lose precious time in getting your properties repaired and replaced is bad enough, but when the costs also come into play, you could find yourself in an impossible financial situation. For peace of mind, make sure that you are covered with a reliable commercial property insurance.
  • Workers’ compensation insurance – Mechanics in a quick lube shop are exposed to a number of hazards, including harmful chemicals and heavy machinery and vehicles. In the event of workplace injury or illness, what sort of protection can you provide the employees working for your shop? You can take care of your associates’ well-being by getting them workers’ compensation insurance. This policy affords workers many benefits that would help them in the event that they are impaired at work. These include medical and rehabilitation benefits, missed income benefits, and even death and burial benefits.
  • Commercial auto insurance – If your quick lube shop offers mobile services, then you most likely need commercial auto insurance to protect your service vehicle. This policy provides coverage for such things as: damage to your vehicle resulting from collision; liabilities resulting from other people getting injured or damage to other people’s property; your personal injury and medical payments, and many more.