Insurance for Auto Repair Shops in Texas

When motorists encounter problems with their vehicles, they depend on your shop to quickly get themselves back into driving mode. However, they depend on you for much more than getting their set of wheels back into tiptop shape. These are real people with real businesses — a florist who needs to deliver bouquets of white roses to a wedding, a lawyer scheduled to meet important clients, or maybe a teacher who needs to get to school on time for her science class. Whatever their occupation, your clients require your services to keep their livelihood running.

When unexpected incidents threaten to put your business to a standstill, do you have the necessary insurance to keep you covered? At Quote Texas Insurance, we provide comprehensive and affordable insurance solutions to ensure that the day-to-day operations of your auto repair shop are not interrupted.

Complete insurance solutions for auto repair shop owners and mechanics

Your business specializes in things like tires, brakes, and mufflers just as we specialize in different insurance policies that help protect your business. These include the following:

  • Commercial general liability insurance – This policy protects auto repair shop operators like you from claims of liability for bodily injury, property damage, and advertising injury (e.g. false advertising, slander, and so on). Practically anyone who comes into your shop can file such liability claims for many reasons. When this happens, your commercial general liability insurance policy will step in to cover associated legal defense costs and any compensation the court might order you to pay.
  • Garagekeepers legal liability insurance – Auto repair shops bring other people's vehicles under their care all the time. To protect yourself from possible financial loss in case of mishaps, you should consider getting a garagekeepers legal liability insurance policy. This policy covers the costs of repair or replacement of any vehicle that might get damaged while under your keeping.
  • Professional liability insurance – Also known as errors and omissions insurance, professional liability insurance protects service-providing businesses like auto repair shops from bearing the full cost of legal defense against negligence claims made by their customers. For instance, if one of your clients claims that your services caused a vehicle to malfunction such that the customer suffered an injury, your professional liability insurance policy can shoulder your lawyer's fees and even pay for court-ordered compensation that may be awarded after a civil lawsuit.
  • Commercial property insurance – Auto repair shops depend on many tools, equipment, and supplies to be able to repair vehicles. Car lifts, air compressors, car jacks, tire changers, wheel balancers, auto parts washers, welders, and plasma cutters — these are just some of the things that mechanics use to render their services. Without a reliable commercial property insurance, you run the risk of losing these costly equipment and machinery to risks like fire, theft, vandalism, and civil disturbances like riots. Remember, it always pays to be protected.
  • Workers' compensation insurance – Mechanics working in an auto repair shop encounter a lot of risks every day. When they get injured because of the heavy machinery they use, your business can face serious legal challenges and run the risk of paying for costly medical fees. Thankfully, you can protect your employees and your business with the right workers' compensation insurance policy. Should your employees suffer an injury, this policy covers not only their hospital and medical bills, but also pays for part of the wages they lost as a result of the injury.
  • Commercial auto insurance – Auto repair shops sometimes provide on-call services to their customers. If your business offers such mobile services, then you should consider getting commercial auto insurance for your business vehicle as well. In the event that your service vehicle gets damage or causes damage to other people's property, your commercial auto insurance policy will shoulder the repair or replacement costs.

At Quote Texas Insurance, we know about the daily challenges you face as an auto repair shop owner. You don't have to deal with all of them yourself. We are here to help you come up with the best insurance package that will make sure your business keeps running even when mishaps come into play. We Make Insurance Simple! Contact us today for a quote.