(And How to Avoid Them)
Running an auto repair shop, dealership, or body shop is more than just turning wrenches and keeping customers happy; it’s about protecting your business from unexpected disasters. While you might think you’ve covered all your bases, some risks can come out of nowhere and leave you with costly damages, lawsuits, or even a business shutdown.
So, what are the biggest threats to your garage? Let’s talk about the top five risks you might not have considered, and why garage insurance is a must.
1). Oops, That Wasn’t Supposed to Happen (Employee Mistakes & Accidental Damage)
Your mechanics are skilled professionals, but even the best can make a mistake. Maybe someone accidentally scratches a high-end customer car, overfills an engine with oil, or forgets to tighten a bolt. Even a minor slip-up can turn into a major liability issue — one that could cost thousands to fix.
Why You Need Insurance: A garage liability policy covers accidental damage to customer vehicles, so one mistake doesn’t mean a financial disaster.
2). A Customer Just Slipped… and Now They’re Suing
Garages are full of hazards — oil spills, tools on the floor, and slippery surfaces. If a customer slips, trips, or falls, you could be facing an expensive lawsuit. Trust me: legal fees alone can drain your bank account dry.
Why You Need Insurance: General liability coverage helps protect you from personal injury claims and legal fees, so one accident doesn’t wreck your business.
3). Risks You Can’t Control — Theft & Vandalism
Imagine showing up to work in the morning, only to find your garage doors pried open and customer cars missing. Or maybe a vandal decided to smash windows and spray-paint the walls. Whether it’s stolen tools, expensive parts, or entire vehicles, theft can be a nightmare for garage owners.
Why You Need Insurance: Garage keepers insurance helps cover theft and vandalism-related losses, so you’re not paying out of pocket to fix the damage.
4). Fire, Floods, and More
What would happen if a fire broke out in your shop overnight? Or if a major storm flooded your workspace? Fires, floods, and extreme weather events can destroy thousands of dollars in equipment, customer vehicles, and even your entire business. Without proper insurance, you could be left rebuilding from scratch.
Why You Need Insurance: A solid garage insurance policy includes property coverage, ensuring you can rebuild and recover without draining your savings.
5). Test Drives Gone Wrong
You send a mechanic on a quick test drive, but instead of coming back with a report, they come back with a fender bender — or worse. If a vehicle owned by your shop gets in an accident, or if a customer damages a loaner car, who’s responsible for the costs?
Why You Need Insurance: Garage auto insurance covers accidents involving business-owned vehicles, so one bad test drive doesn’t leave you with an enormous bill.
Don’t Let Risks Shut Down Your Business
Running a garage is risky business, but the right garage insurance policy can keep you protected, prepared, and stress-free when the unexpected happens. Whether it’s employee mistakes, customer injuries, theft, fire, or accidents, Avalue Insurance has the coverage you need to keep your shop running smoothly.
Protect your garage today! Contact Avalue Insurance to get a customized garage insurance policy that fits your business needs. Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!