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?
6. Can you provide insurance anywhere in the state?

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. A few other factors can effect Florida Auto Repair Insurance.

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?

There’s no single price, because insurers rate each repair shop on its own details. The biggest factors are the ones our quote form asks about: the garage services you offer and the types of vehicles you work on or sell; where the work is done, including any roadside or mobile work; how much of your work involves boats, motorcycles, ATVs, RVs, heavy trucks or tires; your number of employees and revenue; the garage liability, garage keepers and physical damage limits you want; how many vehicles you keep on the lot and what they’re worth; how long you’ve been in business; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Auto Repair required in Florida?

Florida requires motor vehicle repair shops to register with the Florida Department of Agriculture and Consumer Services before doing business (Section 559.904, Florida Statutes). Many counties also require garage liability for businesses that work on vehicles.

Florida requires workers’ compensation once a shop has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

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

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.