Florida Auto Repair Shop Insurance

Florida Auto Repair Shop InsuranceServing the needs of auto repair shops in Tampa and all of Florida.

As an owner and operator of an auto repair shop, you know that servicing vehicles on a daily basis with expensive, complicated and sometimes hazardous tools and equipment requires insurance coverage. It is an important and necessary asset.

We’re here to ensure that you get the proper coverage at the right price.

A basic auto repair shop insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Fairchild, Addison, & McKone Insurance can help you determine the type of insurance policy and range of coverage that is best for your auto repair shop.

Request a free quote or call (813) 681-4893 to learn more.

Typical Auto Repair Shop Coverages in Florida

Liability Coverage

Protection for your auto repair shop in case of an accident, injury, or mistake. This coverage is often helpful if a mechanic or technician makes a mistake while servicing a customer’s vehicle, or an on-site accident occurs that results in damage and / or injury of a customer or employee. This is often the most important insurance coverage for an auto repair shop.

Non-Owned Auto Coverage

This protects your customers’ vehicles as they are being serviced and entrusted to your care, often referred to as “non-owned auto insurance.” In addition to coverage while a vehicle is being worked on, this offers protection while an employee test drives a vehicle before or after the vehicle has been serviced, or when an employee is involved in an auto accident when driving a personal or company car while driving on behalf of your auto repair shop.

Workers’ Compensation Coverage

With so many moving parts, heavy machines and vehicles, complicated workflows and physical strain, workers’ compensation is a necessity in an auto repair shop’s insurance coverage. It provides wage replacement and medical benefits to employees, mechanics and technicians in the event of an accident or injury resulting from their employment. Often, these benefits are available in a tradeoff, in which the employee gives up the right to sue his or her employer for potential negligence.

Property Coverage

Auto repair shops often require a lot of space (such as an operations warehouse and equipment room), expensive tools and equipment, and additional housing or parking lots for customers’ vehicles as they are being serviced. Property coverage protects against theft, disastrous events such as fires, as well as varied, optional coverage such as business income insurance and equipment breakdown coverage.

Crime Coverage

Working along with property coverage, crime coverage protects against wrongdoing you may suffer from an employee or third party, including theft of sensitive data such as customer information, shop equipment, shop income and finances, or robbery.

Based in Tampa, Florida, Fairchild, Addison, & McKone Insurance understands the insurance needs of our auto repair shop customers. The right coverage for you is unique – call us at (813) 681-4893 or email us today to find out how to protect your auto repair shop with the right insurance policy.

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