Windshield Repair Shop Insurance

Your Guide to Windshield Repair Shop Insurance

Everything you need to know

Windshield repair shop insurance

A windshield repair shop is an auto glass shop that specializes in windshield repairs.

Windshield repair shops need business insurance to protect their assets from the risks associated with servicing other people’s vehicles. With appropriate windshield repair shop insurance, you can face your risks and stay in business for the long term.

A local independent insurance agent can help you get the coverage that meets your needs and budget.

Why Do You Need Windshield Repair Shop Insurance?

Windshield repair shops face numerous costly business risks, including the following.

  • Customer/general public slips and falls at your shop
  • 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

Windshield repair shop insurance protects your business from these and other risks that you face every day.

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What Does Windshield Repair Shop Insurance Cover?

Windshield repair shops need for the following types of basic business insurance.

  • Commercial property insurance: 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 commercial property policies also include business interruption coverage. This will pay for rent, employee salaries, and other expenses if your business must close temporarily due to an unforeseen disruption.
  • Commercial general liability (CGL) insurance: Provides protection for most basic liability issues that a windshield repair 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 installing a windshield 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 may 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 a 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: 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: Covers any vehicles that your business owns. This is essential to cover your technicians as they drive your company-owned vehicles to mobile service locations (e.g., customers' homes). It provides liability protection if a driver causes an accident, and it can provide physical damage coverage for your vehicle(s) as well.

An independent insurance agent can help you tailor these policies for your unique needs.

What Is Garagekeepers Liability Insurance?

Garagekeepers liability insurance is specialty business insurance coverage all kinds of auto repair shops, including windshield repair shops. It protects you when customers leave their vehicles in your possession in order for you to perform your work.

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.

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.

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Workers’ Compensation Insurance for Windshield Repair Shops

Windshield repair shops can be dangerous places, particularly for the employees who do the work.

Workers’ compensation insurance: 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 Windshield Repair Shop Insurance Cost?

Windshield repair shop insurance costs depend on the size of your shop, your location, the number of employees you have, and the value of your commercial property (buildings and their contents). The types of coverage and the coverage limits that you require also have a huge impact on your windshield repair shop insurance costs.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with windshield repair shops and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will 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.

Find and Compare Quotes for Windshield Repair Shop Insurance

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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