A lot can go wrong at an auto shop. A fire could destroy the building, the equipment and all the cars on site. Thieves could break in at night to steal the cars being repaired or the expensive tools. Dangerous chemicals could injure the employees and pollute the surrounding environment. And this is just the tip of the iceberg. Auto shops face many exposures – which is why BNC now offers an insurance program that caters specifically to the needs of auto service shops.
Filling in the Coverage Gaps
Auto shops face unique risks, not all of which are not covered by general business insurance policies. This results in coverage gaps that can put your business in jeopardy.
Our auto shop program offers a range of coverage options that cater specifically to the needs of the auto shop industry, filling in these gaps. These features include:
- Mechanics professional liability
- Pollution liability insurance (tank coverage)
- Dealer & transporter plates
- Towing coverage
- Tool coverage
- General garage liability
- Business auto coverage
- Garage keeper’s legal liability
The program also includes these key coverage options:
- Employment practices liability
- Liquor liability
- Cyber protection
- Building and building contents
- Professional liability
- Crime/money & securities
- Workers’ compensation
- 24-hour risks OK
Finding the Perfect Fit
This program is designed for businesses in the auto shop industry, including:
- Businesses that specialize in auto body, collision repair and mechanical repair
- Auto glass shops
- Quick lube shops
- Tire dealers
- Transmission shops
- Service stations with convenience stores
If you operate one of the businesses above, and if you’re serious about risk management, this program may be the perfect fit. The auto shop program is offered in all 27 states where BNC is licensed to do business, and it is appropriate for companies with a single location or with multiple locations.
As a responsible auto shop manager, you have a lot to worry about. You do your best to keep your employees safe, your equipment is secure and your customers’ property safe. You know that something could still go wrong, so you also maintain insurance. But you’re still left wondering: Is it enough? Are coverage gaps leaving you exposed?
The experts at BNC will help you uncover coverage gaps, educate you on hidden risks and create an insurance program that’s specially designed to meet your needs.Are you ready to get started? Request your auto service commercial insurance quote.