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
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.
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 |
