Auto Service Repair Shop Insurance
Secure Your Shop’s Future
Running an auto repair shop comes with plenty of moving parts—your insurance shouldn’t be one of them. At Ford Insurance, we offer customized auto service repair shop insurance designed to protect your business from financial setbacks caused by accidents, damage, and liability claims. Whether you run a small garage or a bustling repair shop, our coverage has you covered, so you can focus on what you do best—getting cars back on the road.
What we cover
Auto service repair shop insurance is tailored to the unique risks faced by auto repair businesses. It offers a range of protections, from property damage to liability claims, and even covers your tools and equipment. This means that whether you’re dealing with a fender bender in the shop or replacing a vital piece of equipment, we’re here to help keep your business running smoothly.
Property Damage
Covers damage to your shop’s building and the contents inside, including tools, equipment, and inventory.
Liability Coverage
Protects your business from claims of injury or damage that happen on your premises or due to the services you provide.
Business Interruption
If an accident or disaster temporarily shuts down your shop, this coverage helps cover lost income and operating expenses while you get back on your feet.
Garage Keepers Insurance
This essential endorsement protects you in case a customer’s car is damaged while in your care, custody, or control.
Why The Ford Agency
Your shop is more than just a business—it’s your livelihood. We understand the risks you face and provide comprehensive coverage that ensures you’re prepared for whatever comes your way. From fender benders to equipment failure, Ford Insurance has your back.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
