Auto Repair/Garage Insurance

Auto Repair/Garage Insurance

Auto Repair Shop Insurance Designed For Your Specific Needs

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.

These Include

Mechanical Repair Shops

Auto Body Shops

Auto Dealers; New and Used

Motorcycle Dealers

Detailers

Mobile Home & RV Dealers

Mechanic hands working on engine

Automobile mechanic repairman hands repairing a car engine automotive workshop with a wrench car service and maintenance repair service

Optional Coverages

We provide the coverages to properly protect your unique insurance needs…and save you money!

Garage Liability

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.

Garagekeepers

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.

Dealer’s Blanket

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).

Customer Loaners

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!

Mechanics’ Errors and Omissions

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.

Fellow Employee Coverage

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.

Employee Tools

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.

Mechanical Breakdown

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 Levels

Choose a level of “extra” protection that is right for your Garage Insurance needs

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
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A Full Service Independent Agency Meeting Your Auto, Home, Life & Business Insurance Needs in Painesville, Mentor, Willoughby, and all of Northeast Ohio

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