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.
Many customers ask whether a smog check, also known as a vehicle emissions test, is required to insure their vehicle.Car insurance companies do not require you to get a smog check.
Towing insurance requirements often are established by State and Federal minimum standards. Quite often, those limits do not adequately protect the towing company from liability situations, and they need more coverage.
Our convenience store and gas station insurance program is tailored to the unique needs of your business. Your local Society agent will help you to determine the insurance coverage necessary to protect your livelihood.
Motorcycle service is a very specialized business. However, as the owner of a motorcycle repair shop, you have liabilities as do all other types of business owners which are to protect your customers and business against losses.
Shop owners know auto body repair and car insurance, but they can be unfamiliar with what kind of coverage is best for protecting their business while keeping costs low.
Here at Skyscraper insurance, we provide affordable auto services insurance options for:
General Auto Repair Shop Insurance
Body & Collision Repair Shop Insurance
Auto Detailing Business Insurance
Paint less Dent Removal Shop Insurance
Running an auto services shop, whether it’s a repair shop or a detailing business, isn’t without its risks. We can help you identify your risks and create an insurance plan that will help you stay protected from them. You might not know what the future will bring, but we can help you find the insurance solution you need. We’ll get you some insurance quotes for your auto repair shop so that you can get back to your life and running your shop.
Here at Skyscraper Insurance, we have experience helping small auto shop owners just like you.
Whether you:
Change transmissions or brakes
Repair car accident damage
Wax, polish, and detail
Push golf ball sized dents out of fenders without having to paint
We want to help your shop to grow and thrive with peace of mind knowing that your liabilities are covered.
Types of exposure that auto repair shops and body shops need protection from:
Professional liability: This could be very serious if you provide mechanical repairs to a car that result in a car wreck or fire, leaving someone hospitalized, injured, or even dead. Beware of defective mechanic work. Hire only the best mechanics, painters, and auto body professionals to do your repairs. Make sure your company culture demands doing it right the first time.
Here are some common examples of defective, negligent or even deceptive work may lead to a lawsuit:
Performing the wrong procedure or repair.
Failing to notice major repairs that need to be done. Be sure to do thorough inspections and document everything in your reports to the client.
Causing damage to the engine or other parts during the work. Be sure to clean up any scraps, debris, dirty fluids, or other foreign objects during the repair that could cause mechanical or electrical problems if left in the engine compartment.
Failure to fully repair worn or broken parts.
Installing the wrong replacement part. Be careful to never install “junkyard,” “knock-off,” or “after-market” parts instead of those provided by the manufacturer.
Modifying any parts so that the car is illegal to operate on public roads.
Using inferior paint or replacement body parts.
Not preparing the paint surface properly, causing the paint to bubble, peel, fish eye, etc.
Scratching body paint while cleaning or working on another part of the car.
Property exposure: Many of the paints, lubricants, oils, degreasers, and solvents that you use every day are flammable. Ensure they are properly labeled, stored, and separated in locked cabinets for safety. Make sure that any welding is done by a professionally trained technician that will work safely so as to avoid fires or explosions. Install security systems and cameras to protect your clients’ cars while they are in your shop.
Products liability exposure: What if the parts you install malfunction or are recalled? Do you currently have a check-off procedure in place before returning the car to the customer to ensure that everything is working safely and properly?
