Garage Insurance

Garage Insurance in Austin, TXIf you own an auto repair business in Texas, you need a specialized insurance policy to protect you. Heaton Bennett Insurance can insure auto repair businesses such as:

  • Auto Body Shop
  • Auto Repair Shop
  • Auto Service Shop
  • Auto Detailing
  • Oil & Lube Shop
  • Auto Paint Shop
  • Engine Repair Shop
  • Brake Repair Shop
  • Tire Shops

Heaton Bennett Insurance can provide the garage insurance you need and an insurance policy that protects your business while you’re conducting the duties of your job. Our agency can offer you a garage owner’s insurance policy that covers your businesses with:

  • Commercial Auto
  • Business Owners Insurance (BOP)
  • General Liability (GL)
  • Business Liability Insurance
  • Property Insurance
  • Workers Compensation Insurance
  • And more!

Now if you’re looking for insurance to cover your customer’s vehicles while they’re in your control, Heaton Bennett Insurance offers an insurance policy named Garagekeepers. A garage keeper’s insurance policy is different from a garage owner’s insurance policy. Garage keepers are meant to protect your customer’s vehicles when they leave it with you. If their vehicle is damaged or stolen while in your care, custody, and control, your garage keepers policy could help cover the damages or stolen vehicle cost.

While these policies are separate, it is possible you need both. For auto dealerships whose business operations involve the sale or service of autos or motorcycles or other vehicles, there can be misperceptions about where a General Liability policy stops and a Business Auto policy starts. The Garage Liability policy was created to cover both exposures in one policy. Therefore, Garage Liability is a combination of these two individual policies.

Regardless of your needs, trust that the highly trained insurance agents at Heaton Bennett Insurance can help insure your garage business. They work with the top insurance carriers in Texas and can provide comparative insurance quotes to help your business stay protected. 512-372-8311

Frequently Asked Questions

What is the difference between garage liability and general liability insurance?

Garage liability insurance is designed around certain risks associated with automotive business operations. General liability may not address all exposures involving customer vehicles, repair work, test drives, or other garage activities.

Are customers’ vehicles covered while being repaired or stored?

Garagekeepers coverage may be available for certain damage to customer vehicles in the business’s care, custody, or control. Coverage depends on the selected option, cause of loss, limits, and deductible.

Can garage insurance cover faulty repair work?

Coverage may be available for certain claims resulting from completed repair work, but insurance should not be assumed to pay for correcting poor workmanship or replacing a defective part. Policy terms and exclusions vary.

Can tools and diagnostic equipment be covered?

Commercial property or equipment coverage may be available for eligible tools, lifts, computers, diagnostic systems, and other shop property. Limits should reflect the current value of the equipment.