Garage Insurance: Protecting Auto Businesses Nationwide
Auto businesses like repair shops, dealerships, and storage facilities face unique daily risks. Whether safeguarding vehicles in your care or protecting your operations from liability claims, having the correct garage insurance is crucial. At Fusco & Orsini Insurance Services, we specialize in comprehensive coverage solutions tailored to auto businesses across California and beyond.
What Is Garage Insurance?
Garage insurance is a specialized policy designed for businesses that service, repair, store, or sell vehicles. It combines essential coverages such as general liability, garage keepers liability, and commercial auto insurance into one package, ensuring your operations are protected from common risks.
Key Coverages Included in Garage Insurance
- General Liability Insurance
Covers third-party bodily injury and property damage claims on your premises or during your operations. For instance, if a customer slips in your shop or a vehicle damages a neighboring property, this coverage steps in to handle legal and medical expenses. - Garage Keepers Liability Insurance
This policy provides protection for customers’ vehicles while they are in your care, custody, or control. Whether due to theft, vandalism, or accidents, this coverage ensures you’re not left covering repair costs out-of-pocket.- Legal Liability: Coverage applies only if your business is found negligent.
- Direct Primary: Covers damages regardless of fault, providing you and your customers peace of mind.
- Direct Excess: Supplements existing coverage, offering additional protection.
- Commercial Auto Insurance
It is essential for businesses that operate vehicles like tow trucks, courtesy shuttles, or service vans. This coverage protects your business vehicles from accidents, damage, or theft. - Workers’ Compensation Insurance
Workers’ compensation, which is required in most states, covers medical expenses and a portion of lost wages for employees injured on the job. Given the industry’s physical demands, this is vital for auto businesses. - Property Insurance
Protects your garage’s physical location, equipment, and tools against risks like fire, theft, or natural disasters.
Who Needs Garage Insurance?
Garage insurance is essential for a wide range of businesses, including:
- Auto repair shops
- Car dealerships
- Body shops and paint specialists
- Vehicle storage facilities
- Towing companies
- Specialty shops such as tire or transmission services
If your business handles services or stores vehicles, garage insurance is a must to mitigate risks and protect your livelihood.
Why Choose Fusco & Orsini Insurance Services?
With years of experience serving businesses across California and nationwide, Fusco & Orsini Insurance Services understands auto businesses’ unique challenges. Our dedicated team works with you to craft a custom insurance plan that covers your specific needs, ensuring peace of mind no matter what comes your way.
Benefits of Choosing Our Garage Insurance Solutions
- Comprehensive protection for all aspects of your operations
- Tailored policies to meet your business’s unique needs
- Competitive rates and flexible options
- Access to experienced advisors who prioritize your success
Request a Quote Today
Ready to protect your business with comprehensive garage insurance? Whether in California or anywhere in the U.S., Fusco & Orsini Insurance Services is here to help. Contact us today to discuss your needs and get a customized quote.
For more information or to request a quote, please call (858) 384-1506 or complete the form below.
