2404 IH 35 S.,
Austin TX 78704
Insurance for Garage & Auto Service Businesses
If you are in the auto service business, you have very special insurance needs. We can help!
- Got Lease Requirements? - If you lease your garage building, we can help you meet the insurance requirements with a Garage Liability policy.
- Need to Protect Customer Vehicles? - We can help get you the Garagekeeper's coverage you need to protect your auto service business from damage to vehicles in your care.
- Got Loan or Lease Requirements on Tools & Equipment? - We can help get you the Property coverage you need to meet your bank loan or Equipment Lease insurance requirements. Protect your sizable investment in tools and equipment from damage or theft.
- TxDOT Filing Requirement? - Does your auto service business have a tow truck or other vehicle that requires a TxDot Filing? You need the right insurance to get on the road. We can help you meet the Texas Department of Transportation insurance requirements for your garage vehicle's state required filing.
Why we're different from the other online business insurance sites:
- Quotes Quick - We do our best to expedite your quote.
- Service After the Sale - Local friendly service for over 30 years.
- Knowledgeable Help - We help you understand your insurance choices.
- Broad Range - We offer a wide range of business insurance programs.
- Walk-in Service Available - Visit us at our South Austin office - Map, Directions and Contact Information
Ready to Start a Garage / Auto Service Insurance Quote?
Garage Insurance Quote Request
Garage / Auto Service Insurance Coverage Options
Garage Liability - Provides protection up to your limits for the business activities of your auto service operation including: Premise Liability for accidental injuries to the public at your business, Product & Completed Operations for the auto repairs you do and Auto Liability while you are test driving a clients vehicle.
Garagekeeper's - Insurance protection for your client's autos left for repair or service at your auto service business. Since these vehicles are left in your care, you can be held liability for any damage to these autos regardless of cause.
Garage Vehicles - Many Auto Service businesses have business vehicles for use in the Garage Operations. You may have a substantial investment in these business use autos plus additional liability when they are on the public highways. For more information on your business vehicles see Business Vehicle Insurance.
Garage Building & Improvements - If you own your garage building, you likely have a substantial investment that needs insurance protection. If you lease you garage, you likely have a substantial investment in the built-in improvements to your leased space.
Tools & Equipment - Anyone in the Auto Repair & Service trade knows that having the right tool is a big part of getting the job done. Garage operations are a very tool & equipment intense operation and require a substantial investment in having that right tool when you need it. Burglary of auto garages to steal valuable tools is an pervasive problem. Be sure to review your Crime Coverage component of your insurance protection.
Special Insurance Issues for Garage Auto Service Business
Direct Primary or Direct Excess vs. Legal Liability - Legal Liability is based on your garage being proven negligent for the damages to an auto in your care. Direct coverage is based on insured protection for damage to an auto in your care regardless of your negligence. Direct Excess coverage only provides an insurance settlement for damage beyond the vehicle owner's auto insurance. Direct Primary coverage provides an insurance settlement without regard to the vehicle owner's auto insurance.
Worker's Compensation- Auto Service and Garage business are very people intense business. You can't get the job done without your trained employees including your mechanics. Auto repairs, test drives and other garage operations can cause injuries. Worker's Compensation provides your very important legal protection if one of your employees gets hurt at work and also provides help getting that valued worker back on the job.
For more information, see also - Essay: Why Work Comp.
Employees as Drivers - Your business is at risk anytime your commercial vehicles are operated. A motor vehicle record (MVR) that lists any violations for the perspective driver is a basic part of a driver screening process. Larger vehicles and specialized vehicles often require a driver with a Commercial Driver's license. A business owner is also at risk for injuries of drivers in their employment and having a Worker's Compensation policy can be important protection.
State Filing Requirement - Large business vehicles (over 26,000 gross vehicle weight) and other specialized vehicles like tow trucks are regulated by the Texas State Department of Transportation and have specific requirements for insurance. TXDot filing information and application can be found at their website - http://www.dot.state.tx.us