Auto Repair Insurance
If you own or operate a auto repair and you are looking for a quote on your business insurance you have come to the right place. Here and Bains and Woodward Insurance we are independent agents who will work hard to provide you with the best rate possible for your auto repair insurance policy while still saving you money. Whether you are in need of building coverage, garage keeper’s coverage or personal property coverage we have a policy that will fit your businesses specific goals and meets its unique needs. We will save you time and money with our easy to understand process; and you can do it all from the comfort of your home.
At Bains and Woodward Insurance we are constantly trying to keep up with today’s ever changing insurance market. In a world where you can order pretty much every type of small business insurance California online, basically anything from a pizza to a car, why shouldn’t you also be able to order your insurance online? Here at Bains and Woodward we work hard to stay up on the times. You can request a quote auto repair shop insurance quote online, over the phone or by email; if you like what you see we can get it all set up with just a few more mouse clicks. We don't only offer quotes for auto repair though. We can help all types of businesses so be sure to tell your friends. Have them call whether they need anything from body shop insurance to janitorial liability insurance. We can email or fax you the documents and once you print them out and send them back signed we will send you your new insurance cards by email or fax, whichever you prefer. If that doesn’t work for you we can have you use our new E-Sign app; all you need is a computer or smart phone and an email address. You can sign all of your documents electronically with a few simple mouse clicks and be on your way. It really is that simple, give us a call today and find out how easy it can be to save.
If you are the owner or operator of a mechanic shop you will want to look into purchasing a garage keepers policy. Garage keeper’s on your CA general liability insurance coverage is designed to protect you from financial responsibility if a customer’s vehicle in your control or possession is damaged. There are two types of garage keeper’s coverage available to you; direct primary and legal liability coverage. Legal liability only applies in the event you are found responsible for the loss due to negligence. This can be anything from leaving a shop door unlocked to an employee crashing a vehicle. If there was no fault on your part it may be hard to get your loss covered. Direct primary covers the damages whether you were found to be negligent or not. It is always recommended that you purchase direct primary coverage to be better protected, regardless of the reason for the claim.
What Else Should I Get On My Auto Repair Shop Insurance Policy?
You may also want to invest in personal property insurance with your mechanic insurance. Most equipment in a shop is very costly and in the event of a loss you do not want to be left paying for it out of pocket. Purchasing a personal property policy will help to ensure that any tools or equipment lost due to theft or disaster will be replaced. This does not typically apply to equipment that has deteriorated over time form regular use or wear and tear. Be sure you know how much the equipment in your shop is worth; being underinsured is a bad place to find yourself once it is too late. You will want to be sure you have enough coverage to replace your equipment and tools if you are involved in a total loss. Additionally, you will want to inquire about any reimbursement polices your company may have. Find out if it will be replacement cost or fair market value; replacement costs will cover the cost of replacing any lost equipment while fair market value is the current value of the item minus devaluation form time and use. Obviously it is always better to have replacement cost coverage.
Some shops also will have towing services to get clients cars to their shop for work. If that is the case be sure to inquire with one of our agents to days and see how much you can save on tow truck insurance. It is highly important you carry this coverage if you will be transporting any vehicles to or from your shop.
Lastly you may want to consider purchasing building coverage if you own the building your shop is operating from. Building coverage covers the actual building itself; the roof, walls, windows, etcetera. Be sure to ask one of our trained agents today how much they can save you on your building coverage.
How Do I Get A Mechanic Insurance or Auto Repair Insurance Quote?
Here at Bains and Woodward we are independent agents who will shop your policy through multiple carriers all at one time. By doing this we not only save you time, we can also save you a significant amount of money. This also means that we can help write several policies from lawn care insurance to insurance for gas stations. When carriers compete side against one another for your business you save money; it is that simple. Give us a call today ad see just how much time and money our professionals can save you on your auto repair insurance!
