Auto Shop Insurance Humble, TX
Due to the risk of injury and property damage, auto shop insurance in Humble, TX, is critical for any auto mechanic. Your auto service insurance policy should cover all aspects of your shop, such as everyday business operations, employee injuries, and lawsuits. However, finding the right insurance can be challenging.
With Lee Insurance Agency, choosing an insurance policy is hassle-free and easy. Our team works with you to create a business insurance policy tailored to you and your needs.
From a business owner’s policy to worker’s compensation, our agents work hard to give you the highest level of protection.
What Is Auto Shop Insurance & How Does It Work?
Providers design auto shop insurance policies to protect your business. Business owners face a variety of risks that come with owning and operating a business. As such, auto shop insurance protects all aspects of your business, including medical costs, customer vehicles, employees, and much more.
Garage insurance is almost always required for mechanics, as there is a higher risk of injury in this field. The good news is that garage insurance will protect your business, protect you from financial losses, and help save you money.
Insurance companies base the cost of insurance on a variety of factors, including your industry and the size of your business. Therefore, the cost will vary for every business. Because auto shops are more prone to accidents and injuries, they generally pay a higher premium.
When you insure your business, you’ll receive a certificate of insurance (COI), a document proving you have a valid insurance policy. Proof of insurance is important to prospective clients, demonstrating responsibility and offering legitimacy for your business.
What Kind of Coverage Should an Auto Shop Have?
From commercial auto insurance to general liability and more, auto repair shop insurance is necessary for all auto shops. Auto shop owners should consider the highest level of protection possible to cover any unforeseen accidents.
As an auto shop, protection should cover everything from employees test driving vehicles to unexpected events. At Lee Insurance Agency, we offer a range of insurance coverage options to meet your needs.
Business Owners Policy
Our business owner’s policy gives you property coverage with general liability. This policy includes:
- Business personal property
- Replacement costs
- Machine coverage
- Loss of use coverage
- Coverage for tools
- Equipment breakdown coverage
In addition, our standard coverage includes:
- Product liability
- $1 million limits available
- $2 million aggregate limit
Our workers’ compensation policy offers the protection you need for your business and employees.
As a business, it’s important to prepare ahead of time for any type of accident. The most responsible thing you can do is give you and your employees the highest level of protection.
Our comprehensive workers’ compensation policy gives you everything you need for peace of mind. We offer:
- Safety classes
- On-site risk management
- Red flag awareness program
- Driver safety workshop
From clerical employees to mechanics, our standard policy covers all employees, so you have one less thing to worry about.
Garage Keepers Coverage
Liability will protect you from lawsuits, but you need more than that. As an auto body shop, your customers’ cars should be covered while you work on them. With our garage keepers’ coverage policy, we offer:
- Coverage for vehicles in your care
- Protection on for-sale vehicles
- Coverage for vehicles in your parking lot
Our team will work with you to find the right coverage for your business.
It’s essential for auto shops to have these insurance coverages in place at the very least. Accidents can happen anytime, and these insurance options are designed to help keep your business operating smoothly.
Benefits of Reliable Auto Service Insurance
When you have reliable auto service insurance, you can rest easy knowing your business is in good hands no matter what. At Lee Insurance Agency, we pride ourselves on our exceptional customer service and superior protection.
Our team has a deep understanding of our insurance options, allowing you to understand the advantages of each coverage policy. Whether you want to change coverage or understand the best option for your business, you can rely on our agents for your insurance needs.
By opting for reliable auto shop insurance, you can trust that you’ll be protected from:
- Customer injuries: If a customer sustains an injury in your shop, general liability coverage will provide financial protection for medical expenses and other defense costs.
- Professional mistakes: Any reliable insurance will cover instances of faulty work. This insurance can help defend you against these types of claims.
- Damage to someone’s property: If an employee damages someone’s property on the job, general liability coverage will protect you if you’re held responsible for the damage.
- Damage to your own property: Many insurance options help cover repair or replacement costs following damage to your property. When covered events such as fire or vandalism occur, you won’t have to worry about the financial repercussions of rebuilding your shop or replacing your equipment.
- Damage to vehicles: Working with customers’ vehicles can be stressful if something goes wrong. You can opt for policies that will cover damage to customers’ vehicles so you can protect your business.
The benefits of reliable insurance extend beyond your protection. Business insurance helps show that your business is dependable, allowing your customers to trust you with their business. In addition, it removes the stress over any accidents and liabilities, so you can focus on growing your business.
Get Auto Shop Insurance Coverage That Meets Your Needs
Here at Lee Insurance Agency, we remain committed to providing the most reliable and comprehensive insurance coverage. As members of the Independent Insurance Agents of Texas, our staff is highly knowledgeable and experienced in personal and business insurance needs.
Our insurance options provide the maximum level of benefit and protection to businesses across Humble, TX.
We can help you protect your business. Get in touch with our knowledgeable auto shop insurance agents at (281) 812-8400 to find the best auto shop insurance for you.