Florida Auto Repair Insurance quote and information.

1. How do insurance companies define Auto Repair?
2. What risk exposure do Auto Repair have?
3. What is the price of Auto Repair insurance?
4. Is insurance for Auto Repair required in Florida?
5. What coverages are common to Auto Repair businesses?

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How do insurance companies define Auto Repair?

Automobile repair shops can offer general repairs and thus offer a wide variety of mechanical services, from engine repair to tune-ups. Or they may specialize in a specific type of repair, such as transmissions or brakes. Normally, auto repair shops do not specialize in body work or painting operations, but they will perform those necessary and incidental to repairs. Other operations may include the retail sales of automobile accessories or maintenance items and tools. Some are a part of a gasoline or diesel fuel sales operation, and some auto repair facilities are a part of an Florida automobile dealership. Additional services can include towing, auto club affiliations, pickup and delivery of customers, and the loan or rental of replacement vehicles. Some will have a mobile unit to perform repairs to stranded vehicles or at the customer’s location.

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What risk exposure do Auto Repair have?

• Property exposures from fire comes from the oils, solvents, or other flammables, which must be properly labeled, stored and separated. Florida welding exposures are often a part of the operation and need to be evaluated for proper handling of the tanks and gases, as well as adequate separation from the other operations with either a separate room or flash/welding curtains.
• Premises liability exposure is from slip and falls by customers. There is also the attractive nuisance of cars in the parking lots. Customer waiting areas should be provided and customers must be not be permitted in the garage area. Lots should be well lighted, with chains in place to prevent entrance after hours. Products liability concerns stem from vehicles that are not properly repaired. Check-off procedures should be in place.
• Environmental impairment exposures exist from the disposal of used oils, solvents and other hazardous wastes. Disposal procedures need careful review.
• Automobile exposures are from errand running to pick up needed supplies. All drivers should have valid licenses and their MVRs regularly checked. If towing takes place, a more serious exposure exists. All tow drivers must be experienced in towing. Florida vehicles must be regularly checked, in particular the hoists and tow bars. Garage Keepers exposure comes from the physical damage losses to customers' vehicles while in the repair shop's care, custody and control. Lots must be well lighted and chains in place to prevent transport. Fences and other security may also be appropriate.

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What is the price of Auto Repair insurance?

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Is insurance for Auto Repair required in Florida?

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What other insurance should a Auto Repair consider?

Commercial Property, Contractors’ Equipment, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Stop Gap Liability, Garage Keepers, Workers Compensation