Insurance
For The North

Specialized Automotive Services Insurance Expertise:
At 705 Insurance, we specialize in the unique risks and challenges that automotive service businesses face. Our expert brokers understand the intricacies of auto repairs, vehicle storage, and towing services, ensuring your business is covered for every eventuality. Tom Putman and the team will guide you through the process of selecting the right coverage for your specific business needs, from comprehensive garage coverage to protecting customer vehicles in your care.

Comprehensive Coverage Options:
We offer a broad spectrum of coverage options designed to protect automotive service businesses from the wide range of risks that come with the industry. From small auto repair shops to large vehicle fleet operators, we tailor our insurance policies to suit your unique needs and ensure you have the right protection in place.

Garage Keepers Liability Insurance:
This essential coverage protects your business from liability if customer vehicles are damaged, lost, or stolen while in your care, custody, or control. It is a must-have for auto repair shops, dealerships, and body shops that handle customer vehicles regularly.

Commercial Auto Insurance:
If you operate a towing company, auto parts delivery service, or have a fleet of vehicles used in your business, commercial auto insurance is crucial. This coverage protects your business vehicles from accidents, damage, and liability. It includes coverage for liability, physical damage, and more, ensuring you're fully protected while on the road.

General Liability Insurance:
General liability insurance helps protect your business from third-party claims for bodily injury, property damage, or personal injury that may occur on your premises or as a result of your services. This coverage can also help with legal defense costs and settlements in case of accidents, customer injuries, or other incidents related to your operations.

Property Insurance:
Property insurance protects your physical assets, including your workshop, garage, equipment, and inventory. Whether you're dealing with fire, theft, vandalism, or natural disasters, this coverage ensures you are compensated for damage or loss, so your business can get back to operating quickly.

Workers’ Compensation Insurance:
While you mentioned no Workers' Compensation Insurance, it is typically a critical consideration for businesses with employees. It covers medical costs and lost wages for employees injured while working, protecting both your staff and your business from legal claims related to workplace injuries.

Business Interruption Insurance:
In the event of a disaster, such as a fire or natural disaster, business interruption insurance helps cover the loss of income while you are unable to operate. This ensures that your automotive service business can survive the temporary closure and return to business once you recover from the loss.

Tools and Equipment Insurance:
As an automotive service provider, your tools and equipment are vital to your daily operations. This coverage helps protect your tools from damage, theft, or loss, so you can continue working without significant disruptions. It’s particularly important for mobile mechanics and repair shops that rely on expensive equipment.

Product Liability Insurance:
If your automotive service business sells or installs parts, accessories, or equipment, product liability insurance protects you from claims that a product caused injury or damage. This coverage is essential for businesses dealing with aftermarket parts, such as auto parts stores and repair shops.

Umbrella Insurance:
Umbrella insurance provides additional liability protection above and beyond your other coverage limits. It is particularly useful for businesses that may face large lawsuits or claims, offering peace of mind that you will not be financially overwhelmed by unexpected legal costs.

Accident and Injury Insurance:
This coverage helps with medical expenses and legal claims if accidents or injuries occur on your premises or due to your services. It's essential for ensuring that your business is protected from the fallout of injuries involving customers, employees, or contractors.

Garage Liability Insurance:
Garage liability insurance offers specialized coverage for auto service businesses, covering risks related to accidents, damage, and injury while vehicles are in your care or while working on-site. It is a critical addition to your insurance policy if you operate in a garage or repair facility.

Equipment Breakdown Insurance:
If your key equipment, such as lifts, compressors, or diagnostic machines, breaks down, equipment breakdown insurance helps cover repair or replacement costs. This can be essential for auto repair shops that rely heavily on machinery to perform repairs and diagnostics.

Employee Dishonesty Insurance:
If you have employees handling money, tools, or customer vehicles, employee dishonesty insurance protects you in case of theft, fraud, or other dishonest acts committed by your staff. This coverage helps protect your business from financial losses due to employee misconduct.

Competitive Rates:
At 705 Insurance, we partner with trusted insurance providers to offer you the best rates for your automotive service business insurance. We understand the importance of cost-effective coverage and will work with you to find the right insurance solution that fits within your budget while providing comprehensive protection.

Get a Quote Today

Reach out to 705 Insurance today for a personalized quote tailored to your automotive service business. We are here to help you protect your assets, employees, and customers while keeping your business running smoothly. Let us assist you in navigating the insurance process and finding the right coverage for your needs.

Protect Your Automotive Services with 705 Insurance
705 Insurance understands the specific needs of automotive service providers. We offer comprehensive coverage designed to protect your business from all angles, whether you run an auto repair shop, towing service, or fleet management company. Let us help you safeguard your business today with customized insurance solutions that keep you on the road to success. Contact our expert brokers for a personalized quote.