Michigan is known for its automobile industry. With more auto manufacturing companies than any other state, it makes sense that our state would also have a lot of commercial garages, car dealerships, and auto repair shops. U.P. Insurance Agency Inc. serving Negaunee, MI understands the ins and outs of the automobile industry and the unique needs of businesses that work with cars. That’s why we offer comprehensive commercial garage insurance policies that are customizable to your specific situation.
<h2>What is Garage Insurance?</h2>
Garage insurance is a specific type of commercial liability insurance that protects dealerships, auto repair shops, commercial garages and similar businesses from liability associated with working on other people’s cars. For example, if your new mechanic hits a post while driving a customer’s car into a bay, your garage insurance would protect your business against damages, something that wouldn’t usually be covered under a standard commercial general liability insurance (CGL).
What Does Garage Insurance Cover?
While our policies are customizable based on your routine business operations, garage insurance policies can cover:
- General liability,
- Damages resulting from faulty work,
- Premises, including customer slip and falls,
- Theft and vandalism of cars left overnight at your establishment,
- Wind, fire, and hail damage,
- Employee theft and dishonesty,
- And more.
Since a single incident can result in a lawsuit that bankrupts your business, it’s important to work closely with your insurance agent to make sure your coverage is accurate and adequate.
Who Needs Garage Insurance?
Any business that regularly works on or stores other people’s vehicles can benefit from garage insurance. Some examples of businesses that need garage insurance include:
- Body shops
- Tire and battery repair shops
- Transmission repair shops
- Tow or impound lots
- Storage facilities for cars or motorhomes
Act now to protect your garage business from unnecessary liability. U.P Insurance Agency Inc. works with customers in Negaunee, MI to insure all of their commercial needs. Contact us today to get started.
