Auto glass shops offer vehicle windshield repair and auto glass replacement services for cars, trucks, and vans. Most have a wide variety of original equipment manufacturer glass on hand in order to service just about any make or model quickly and efficiently. Many auto glass shops offer auto glass repairs and replacement on their premises, as well as mobile repairs where the technician comes to the customer’s home or place of work to do the repairs.
Owners of auto glass shops need business insurance to protect their assets from the risks associated with servicing other people’s vehicles. Any kind of injury, error, or property damage can result in a costly claim or lawsuit.
An independent insurance agent can help you find appropriate auto glass shop insurance tailored to your needs.
Why Do You Need Auto Glass Shop Insurance?
Auto glass shops not only are entrusted to fix their customers’ cars, but also they are entrusted to keep those cars safe while in their control. In addition, auto glass shops face the following types of business risks:
- Slips and falls
- Worker illness or injury
- Faulty workmanship or parts
- Fire, bad weather, vandalism, or theft
- Damage to a customer’s vehicle while in your care
- Damage to a customer’s property while servicing a vehicle at a home
- Causing an injury to a customer while servicing a vehicle at a home
- Employee theft or crime
- Business interruption
You need a variety of business insurance policies to protect your business from these risks. In addition, garage liability insurance and garagekeepers insurance are designed to help you protect your customers’ property and your business in wake of accidents, injuries, or property damage.
What Does Auto Glass Shop Insurance Cover?
Auto glass shops should work closely with an independent insurance agent to determine their need for the following types of basic business insurance:
- Commercial property insurance: This protects you if a fire, vandalism, smoke, theft, or other event damages your property. It provides coverage for lost inventory, office equipment, computers, and more. Most business property policies also include business interruption coverage. This will pay for rent, employee salaries, and other expenses if your shop must close temporarily due to an unforeseen disruption.
- Commercial general liability (CGL) insurance: This provides protection for most basic liability issues that an auto glass shop could face. It protects you from the costs of lawsuits related to accidents, property damage, and a variety of other mishaps both on your premises and while you’re replacing auto glass at a customer’s home or place of work. It also provides products and completed operations coverage, which covers injuries or property damage that arise from the glass that you install or the work that you perform. You will likely want to consider garage liability insurance, which provides several forms of liability insurance more specifically designed for the needs of garages and auto service shop owners.
- Business owners policy: Also known as BOP, this is a package policy designed for small businesses. It combines property, liability, and business interruption coverage in one affordable policy.
- Employee theft and crime coverage: This can protect your business from the costs of theft, dishonesty, and fraudulent acts committed by a single employee or a group of employees.
- Commercial auto insurance: This covers any vehicles that your business owns. It is essential to cover your technicians as they drive your company-owned vehicles to mobile auto glass service locations (e.g., customer homes). It provides liability protection if a driver causes an accident, and it can provide physical damage coverage for your vehicle fleet, as well.
What is Garagekeepers Liability Insurance?
Garagekeepers liability insurance: This is specialty business insurance coverage designed for auto repair shops as well as service stations, auto body shops, detail shops, vehicle electrical and repair shops, auto glass installers, oil change and lube shops, emissions testing sites, and just about any other type of establishment that provides parts or service for vehicles and temporarily stores those vehicles onsite.
Garagekeepers liability insurance protects you if a customer’s vehicle is damaged due to your negligence while it is in your care, custody, or control. This protection is not included in the standard garage liability policy. There are a number of ways in which a customer’s vehicle can be damaged while in your possession, such as fire, theft, weather events, vandalism, employee test drives, and lift accidents, to name a few.
Garagekeepers liability insurance does not cover the contents of a customer’s vehicle, and also does not cover damage that occurs as a result of faulty workmanship, parts, or insufficient warrantees.
Do You Need Workers’ Compensation Insurance?
Auto glass shops can be dangerous places, particularly for the employees who do the work. The potential for crushed hands or limbs from machinery or falling vehicles is with you and your employees every day. And if one of your employees gets injured while on the job, he or she may not be able to work until fully recovered.
Workers’ compensation insurance: This protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.
How Much Does Auto Glass Shop Insurance Cost?
The cost to cover your auto glass shop with a comprehensive business insurance program will vary depending on:
- The size of your shop
- Your shop’s location
- The number of employees you have
- Whether or not you offer mobile auto glass service
- The value of your commercial property, including your building (if you own it) and all of its contents
- The types of coverage and the coverage limits that you require
- The crime and weather risk in your city
Find and Compare Quotes
An independent insurance agent can work with you one-on-one to determine the types and amounts of coverage you need. Your agent can get quotes from multiple insurance companies so you can evaluate the cost and coverage options and make the best choice.
Benefits of an Independent Agent
Our agents simplify the search process for finding the right auto glass shop insurance. They’ll walk you through the handpicked policy options and explain the details and options.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
The Lowdown on Online Quotes
Online quotes can be tempting. They are fast and easy to get — but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can omit important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.
TrustedChoice.com Article | Reviewed by Paul Martin
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