Auto Air Conditioning Repair Shop Insurance

Auto Air Conditioning Repair Shop Insurance Guide

What you need to properly insure your business

Auto mechanic using gauge air conditioning pressure in auto vehicle. Find auto air conditioning repair shop insurance.

Auto air conditioning repair shops help car owners who are experiencing a/c and heating problems get their car back to functioning properly. As a business owner, it's crucial to purchase comprehensive business insurance that protects you and your company.

For convenient and customized auto air conditioning repair shop insurance, work with an independent insurance agent. A local agent can help you find insurance that is tailored to meet the needs of your shop.

Why Do Auto Air Conditioning Repair Shops Need Insurance?

Every time a customer leaves their car in your hands, they're trusting that you will properly care for it. Being responsible for someone else's property exposes you to a number of potential risks, all of which can financially ruin your business if you don't have proper insurance.

In addition to the risks involved with working on someone else's car, auto air conditioning repair shops face the following business risks.

  • Slips and falls in your shop or on your premises
  • Property damage due to fire, wind, smoke, theft, vandalism, or similar 
  • Worker injuries or illness
  • Poor or faulty parts or workmanship
  • Cyberattacks
  • Flooding
  • Business closure from fire, wind, or similar events

The only way to protect your business from these risks is with auto air conditioning repair shop insurance.


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What Does Auto Air Conditioning Repair Shop Insurance Cover?

In order to fully protect your auto air conditioning repair shop, you need a blend of basic and customized insurance policies. Depending on the type of services you offer, your insurance package may differ slightly from another, but most shops need the following coverages.

  • Commercial property insurance: Covers buildings, shops, inventory, equipment, tools, office supplies, and other business property if damaged by theft, fire, wind, hail, vandalism, and several other perils that will be named in the policy.
  • Commercial general liability (CGL) insurance: Covers basic liability claims and lawsuits related to third-party injuries and property damage. CGL will cover legal fees, medical bills, and related costs. 
  • Business interruption insurance: Should your business need to temporarily close its doors, business interruption pays for daily expenses, rent, salaries, and other costs until you are able to repair and reopen your shop.
  • Equipment breakdown insurance: Auto air conditioning repair shops have a variety of tools and equipment that can be costly to fix. This policy helps pay for repairs in the event that equipment suddenly breaks down. 
  • Professional liability insurance: Covers any expenses related to lawsuits for professional error or mistake. This could mean a faulty repair job or another professional mistake that results in the customer being injured or having financial loss. 

What Is Garage Keepers Liability Insurance? 

Garage keepers liability insurance insurance is a crucial type of coverage for auto air conditioning repair shops because it protects your customer's car while it's in your care. Under a garage keepers policy, you'll receive coverage in the event that a car is damaged while it's in your shop.

This can include damage from unexpected weather or even vandalization. Since auto air conditioning repair shops keep a multitude of cars on their property at any given time, garage keepers is critical to your business. 

You will want to work with your independent agent to assure you're getting the proper coverage limits on your garage liability coverage. If you have multiple shop locations, you'll need a policy for each shop. 

Additional Coverages to Consider?

While the above-listed insurance policies are comprehensive, it's likely you'll need additional coverages in order to fully protect your shop and your employees. 

  • Workers’ compensation insurance: Required in most states, workers' compensation pays for expenses related to employee illness or injury. Your agent can explain the workers' compensation laws in your state.
  • Commercial vehicle insurance: If you use vehicles to operate your business, commercial auto insurance will pay for damage and repairs from accidents and property damage. 
  • Cyber liability: Keeping customer data on a computer leaves you liable for a data leak. Should your computer systems get hacked, cyber liability will help pay for the related costs of the breach. 
  • Inland marine insurance: If you transport materials and equipment to different job sites, then inland marine coverage can protect your materials while they're in transit. 
  • Environmental/pollution insurance: Auto air conditioning repair shops run the risk of releasing dangerous pollutants into the air. This pays for any lawsuits that arise from a customer or third-party claiming injury or illness from pollutants. 

How Much Does Auto Air Conditioning Repair Shop Insurance Cost? 

The leading factors that determine auto air conditioning repair shop insurance costs are policy limits, types of coverage, and your deductible. The higher your deductible, the lower your premium costs will be. 

In addition, insurance carriers will consider things like local crime rates, type of business, tools, and equipment used, location, weather risks, and the value of your company to determine your premiums. 

Insurance premiums are meticulously calculated per business. Your agent can help you understand what might impact your rates and how to get affordable coverage. 


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Benefits of an Independent Insurance Agent

An independent insurance agent is an expert in business insurance and what auto air conditioning repair shops need to be fully protected. Since your business needs coverage tailored to your needs, an agent will work with you one-on-one to understand your risks. 

In addition, agents aren't tied to a single carrier. They work with a network of reputable insurance carriers with who they have built a relationship with. 

After you've purchased a policy, agents will continue to check in with you and assure your policy is meeting your needs. Should you need to file a claim, they will help you through that process.

Compare Quotes for Auto Air Conditioning Repair Shop Insurance

Work with an independent insurance agent today and skip the hassle of shopping for online insurance quotes. An agent will chat with you free of charge before shopping for insurance packages for your business.

Once available, your agent will walk you through multiple carrier offers and help you decide the best option for your auto air conditioning repair shop. 

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