Since the very beginning, the Regency Insurance Agency has been helping hardworking people like you with their business insurance needs in the Auto Repair Industry.
Automobile mechanic repairman hands repairing a car engine automotive workshop with a wrench car service and maintenance repair service
For your premises, operations, work performed and products. Bad things happen. We’ve seen customers injured while waiting in the waiting room. Vehicles damaged by faulty repair. Another driver hit by an employee test driving a vehicle. Make sure you have the right limits.
Customers expect their automobiles to be covered for an unexpected loss while at your facility. We can make sure you have the correct limit by providing “Actual Loss Sustained”. No need to worry about being short on coverage after a hail loss. “On-hook” coverage is also available.
Either on a Reporting or Non-Reporting basis to cover owned, non-owned, and hired autos. This includes coverage for flood, earthquake, and collapse. Using the Reporting form covers your entire inventory with unlimited coverage with no co-insurance penalty (as long as reports are submitted accurately and on time).
It’s almost impossible for most people to do without a ride when their vehicle is in the shop. A great way to set yourself apart is to provide your customers a loan vehicle. We’ll make sure they are properly covered without breaking the bank!
Most liability polices exclude “damage to your own work”. This can get expensive if one of your mechanics has a bad day. Don’t have this coverage? You really should. It covers the mechanic for any errors that may cause damage to what they are working on.
What happens if an employee inadvertently hurts another one of your employees? This coverage amends the definition of “Who is an insured” to include any employee with respect to bodily injury to a co-employee which occurs during the course of their employment.
Your business could shut down if your employees lose their tools in a covered loss. Don’t rely on them to insure their own tools. Do it yourself. The cost is small when compared to the down time you’d face if they’re not properly insured.
Don’t let the cost of fixing a malfunctioning vehicle lift, air compressor, or alignment machine ruin your day (or week!). Mechanical Breakdown could save you thousands in repair bills.
Coverage | Limit | ||
Standard | Enhanced | Premier | |
Accounts Receivable | $100,000 | $150,000 | $200,000 |
Bailees Per Item Per Loss |
$2,500 $5,000 |
$5,000 $10,000 |
$10,000 $15,000 |
Business Income & Extra Expense | Actual Loss Sustained | ||
Debris Removal | $25,000 | $50,000 | $100,000 |
Electronic Data Processing Equipment | $25,000 | $50,000 | $100,000 |
Employee Dishonesty | $15,000 | $25,000 | $50,000 |
Employee Tools | $5,000 | $10,000 | $15,000 |
False Pretense for Stock | Within BPP Limit | ||
Fine Arts, Collectibles & Memorabilia (inside building) Per Item Per Loss |
$2,500 $10,000 |
$5,000 $25,000 |
$10,000 $50,000 |
Fire Department Service Charge (coverage not available in AZ) |
$5,000 | $10,000 | $25,000 |
Forgery or Alteration | $10,000 | $25,000 | $50,000 |
Mechanical Breakdown | $5,000 | $10,000 | $15,000 |
Money & Securities (inside & outside) | $15,000 | $25,000 | $50,000 |
Money Orders & Counterfeit Paper Currency |
$5,000 | $10,000 | $15,000 |
Newly Acquired Business Personal Property |
Up to $500,000 – 90 Days | ||
Newly Acquired or Constructed Property |
Up to $1,000,000 – 90 Days | ||
Ordinance or Law Coverage A |
Included in Building Limit | ||
Coverage B Coverage C Coverage D |
$50,000 $50,000 $50,000 |
$100,000 $100,000 $100,000 |
$150,000 $150,000 $150,000 |
Outdoor Property Fences, Trees, Shrubs and Plants &Radio and Television Antennas |
$15,000 $10,000 |
$20,000 $15,000 |
$25,000 $20,000 |
*Trees, shrubs and plants are covered up to $1,000 per item | |||
Personal Effects & Property of Others | $15,000 | $25,000 | $50,000 |
Pollutant Clean-up & Removal | $25,000 | 50,000 | $100,000 |
Property in Transit | $25,000 | $50,000 | $100,000 |
Property Off Premises | $25,000 | $50,000 | $100,000 |
Refrigerated Products | $10,000 | $15,000 | $25,000 |
Salesperson Samples | $10,000 | $15,000 | $25,000 |
Utility Services Failure | $50,000 | $100,000 | $150,000 |
Valuable Papers On Premises Off Premises |
$50,000 $10,000 |
$100,000 $20,000 |
$150,000 $25,000 |
Water Back-up from Sewers or Drains | $15,000 | 25,000 | $50,000 |
It's easy and costs you nothing but a little of your time.
Call us, email us or use our convenient online form to begin a conversation.
A Full Service Independent Agency Meeting Your Auto, Home, Life & Business Insurance Needs in Painesville, Mentor, Willoughby, and all of Northeast Ohio
Let Us Protect Your Tomorrows From The Unexpected