Insurance for

Auto Service Shops

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Owners of auto repair shops have a unique need when it comes to protecting their assets from the risks involved in making repairs to other peoples vehicles. Injury, error, or property damage can conclude in an expensive claim or lawsuit. 

At First Underwriters’, we grab the wrench. Our experience comes from serving local repair shops in the Western United States. We know that keeping your business protected from costly claims and higher insurance rates involves more than an insurance policy. That means avoiding claims so your insurance never gets triggered.

Not only do we place your coverage with an insurer that offers policies crafted for auto repair shops, we also help control your losses by providing risk management programs refined over years of implementation. We put programs in place after accessing your areas of risk and use methods that combine education, training, communications, audits and quarterly reviews to make adjustments. And should you have a loss, we help resolve your claim efficiently and look for patterns that can be broken to prevent future losses.

  • Hiring protocols
    • Background investigations
    • Drug screenings
    • Physicals
    • MVR reports
  • Auto accident prevention for mechanics 
  • Theft prevention
  • Employee and customer injury avoidance
  • OSHA and regulatory compliance
Garage Insurance Coverages

A garage liability insurance policy covers auto repair shops from medical costs and lawsuits arising from an injury of the someone on the shops premises. Auto repair shops typically produce more injuries than most other offices, so additional protections are included to protect your business. 

Garagekeepers is coverage provided under a garage policy for auto service shops and auto dealers particularly those that maintain a service department or body shop. It pertains to liability exposures with respect to damage to a customer’s auto or auto equipment that has been left in the dealer’s care for service or repair. 

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.

Being an auto service shop, it is a given that your employees will have to test drive the vehicles to ensure they have indeed been fixed. In case an accident occurs, having commercial auto insurance will protect the customer, the employee, and your business.

The hired auto and nonowned auto liability endorsement is appropriate for use only if the insured entity does not own any automobiles. In fact, ISO Commercial Lines Manual rules specify that the endorsement is not available to insureds that have another policy covering commercial auto exposures. It provides coverage for bodily injury and property damage liability in connection with just “hired autos,” just “nonowned autos,” or both, as indicated in the endorsement schedule.

The hired auto and nonowned auto liability endorsement is appropriate for use only if the insured entity does not own any automobiles. In fact, ISO Commercial Lines Manual rules specify that the endorsement is not available to insureds that have another policy covering commercial auto exposures. It provides coverage for bodily injury and property damage liability in connection with just “hired autos,” just “nonowned autos,” or both, as indicated in the endorsement schedule.

Commercial property  is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.

Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.

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