Greater Seattle Auto Service/Repair Insurance

Tenant improvement coverage covers permanently attached property on the rented premises that were installed or purchased by the insured.  Under auto repair shop insurance, we recommend a tenant improvements limit that is based on the value of the improvements.  

Business property coverage, also known as contents coverage, covers loose property on the insured premises.  For auto mechanic insurance, we recommend a contents limit that is based on the value of this property.   

Off-Premises property coverage covers property away from the insured premises.  Under an vehicle repair insurance policy, we recommend an off-premises limit that is based on the value of the property that could be taken off the insured premises.  

Typically the building owner covers glass damage, however, some leases require that the tenant cover glass damage, which tenant’s glass coverage covers.  Under mechanic shop insurance, we recommend a tenant’s glass limit that is based on the value of the windows at the insured location.

Employee dishonesty covers embezzlement of company funds.  For car repair insurance, we recommend an employee dishonesty limit that is based on the company funds exposed to embezzlement.    

Business income coverage replaces lost income if a covered loss renders the shop uninhabitable.  Additional coverage is available for power outages.  Under mechanic shop insurance, we recommend a business income limit that is based on the income that could be lost over the period of time that could be required to repair the shop.  

Garage liability primarily protects your company financially if held responsible for trip and slip-type injuries.  For auto repair shop insurance, a garage liability limit of at least $1,000,000 is recommended.

Personal and advertising coverage primarily covers defamation and copyright/trademark infringement.  A personal and advertising limit of at least $1,000,000 is recommended under auto mechanic insurance.  

Product liability coverage covers injuries or property damage caused by products sold.  Under vehicle repair insurance, a product liability limit of at least $1,000,000 is recommended.  

Completed operations coverage covers injuries or property damage caused by your completed work.  If work that you completed is damaged, it is not covered.  For mechanic shop insurance, a completed operations limit of at least $1,000,000 is recommended.     

Garagekeepers liability coverage covers vehicles in your care.  Under car repair insurance, the garagekeepers limit should be based on the maximum value of those vehicles.  

Cyber liability coverage primarily covers data breach that results in a loss of confidential data as well as inadvertent transmission of malware.  This coverage is recommended if working with confidential data such as social security numbers or payment information.  

Employee benefits coverage covers mismanagement of benefits.  This would provide coverage if, for example, an employee holds the company responsible for a major medical expense they expected to be covered under the company health insurance plan.  An employee benefits limit of at least $1,000,000 is recommended under auto repair shop insurance.
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Employment Practices liability coverage covers claims of discrimination, wrongful discipline/termination, harassment, breach of (implied) contract, failure to employ or promote, deprivation of opportunity, and infliction of emotional stress made by employees.  Third-party coverage is available to cover claims of discrimination and harassment made by customers, vendors, etc.  Keep in mind that even if there is no basis for a claim, defending these claims can be expensive, and EPLI coverage will pay defense costs.  

Washington is one of a few states where workers compensation insurance is provided by the state.  Although this covers employees when they are injured on the job, unlike coverage provided by private insurers, it does not offer coverage if employees hold your company responsible.  This could happen if the employee is not satisfied with the coverage provided by the state.  Employer liability coverage, also known as stop gap coverage, fills this coverage gap.  An employer liability limit of at least $1,000,000 is recommended under auto mechanic insurance.
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Hired and non-owned auto coverage, which is often packed together, covers your company if held responsible for injuries or property damage sustained in an accident.  Hired auto coverage offers coverage while driving vehicles that are borrowed or rented for company business, or paid for using company funds.  Non-owned auto coverage offers coverage while employees (including owners) are driving their own personal vehicles for company business.  A hired and non-owned auto limit of at least $1,000,000 is recommended under vehicle repair insurance.
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