About the program

Protecting your business owned auto, fleet of vehicles, or business that repairs and service vehicles is our specialty. We represent several programs focused on shielding your business from exposures faced by your vehicles, drivers, employees. These programs are specifically designed for small and medium sized businesses. Our insurance advisors have extensive experience working with auto service centers, auto body shops, car washes and fleet managers. We understand the exposures you face. Together with risk managers from our carriers, we can help develop a program to control your risk and premium.
Note: You may qualify for one of our dividend programs, be sure to ask our advisors.

Jim-Honochick

Jim Honochick, CIC, CISR

President

Email Me
570-517-7500

Helayne-Brindisi

Helayne Brindisi, CISR

Business & Life Insurance Consultant

Email Me
570-517-7508

Targeted Business Classes

Auto service and repair centers
Auto body shops
Oil and lube shops
Muffler shops
Transmission repair
Detailers
Glass repair and replacement
Paintless dent repair
Car wash – automatic and self-serve

Targeted Business Classes

Auto service and repair centers
Auto body shops
Oil and lube shops
Muffler shops
Transmission repair
Detailers
Glass repair and replacement
Paintless dent repair
Car wash – automatic and self-serve

Coverages Offered

  • Defective products and faulty workmanship
  • Damage to customer’s autos (actual loss sustained not a stated limit)
  • Income protection (actual loss sustained not a stated limit)
  • Data breach
  • Mechanical and electrical breakdown of your equipment
  • Data breach

Insuring Your Fleet of Vehicles

We understand the exposures your vehicles and drivers face on a daily basis. Through our carriers, we can provide access to effective fleet safety programs that help you and your team manage these risks. These programs are available to teach accident investigation and reporting, driver education and training, effective record keeping and proper maintenance schedules.

Workers Compensation

Representing more than 10 workers compensation companies allows us to match your exposure with their appetite, ensuring the lowest possible cost to you.

Garge/Repair Shop

Commercial General Liability / Garage Liability

Risk Factor

Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.

Solution

Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Property of Others - Garage Keepers

Risk Factor

The nature of your business means you’re responsible for valuable cars, trucks and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody and control.

Solution

You should purchase physical damage coverage, referred to as garage keepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts or warranties.

Inland Marine and Mobile Equipment Policies

Risk Factor

You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.

Solution

You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning.

Workers' Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a repair shop owner, you have many exposures associated with your business vehicles – owned or leased. With a fleet of cars, trucks, vans or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella or excess insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers' compensation and business auto insurance. It provides a great safety net and helps ensure your repair shop business is well-protected.

Explore our interactive
garage repair shop scene!

Learn about common risks regarding your garage repair shop and discover how the proper insurance can help.

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