512-331-0787 Client Center ☰ ˟
Logo
Client Center Call Us: 512-331-0787 Text Us: 512-980-9469
  • Home
  • Get A Quote ›
    • Automobile
    • Business & Commercial
    • Commercial Auto
    • Disability
    • Homeowners
    • Life
    • Long Term Care
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Our Products ›
    • Products
    • Home & Auto Insurance
    • Auto Insurance ›⤵
      • Auto Insurance
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Accident Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • SR-22 Insurance
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home Insurance ›⤵
      • Home Insurance
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal Insurance ›⤵
      • Other Personal Insurance
      • Identity Theft
      • Jewelry Insurance
      • Personal Umbrella Insurance
      • Personal Cyber Insurance
      • Pet Insurance
      • Data Backup
    • Life Insurance ›⤵
      • Life Insurance
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Recreational Vehicle Insurance ›⤵
      • Recreational Vehicle Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
    • Additional Insurance Services ›⤵
      • Special Event Insurance
      • Vacation Rental Property Insurance
    • Coverage for Specific Industries ›⤵
      • Coverage for Specific Industries
      • Auto Repair Shop Insurance
      • Church and Nonprofit Organizations
      • Construction Insurance
      • Educational Facility Insurance
      • Healthcare Practice Insurance
      • Landscaping Insurance
      • Law Firm Insurance
      • Machine Shop Insurance
      • Pool & Spa Insurance
      • Personal Trainer Insurance
      • Real Estate Business Insurance
      • Retail Insurance
      • Specialty Trade Contractors Insurance
      • Water Well Drillers Insurance
    • Coverage for Your Business ›⤵
      • Coverage for Your Business
      • Bonds
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Surety Bonds
      • Workers Compensation
    • Coverage for Your Employees ›⤵
      • Coverage for Your Employees
      • Group Disability Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Blog
  • Social Feed
  • Payment/Claims
  • Our Agency ›
    • Client Center
    • Services Areas›⤵
      • TEXAS
      • Austin
      • Cedar Park
      • Georgetown
      • Houston
      • Jonestown
      • Lago Vista
      • Lakeway
      • Leander
      • Liberty Hill
      • Pflugerville
      • Point Venture
      • Round Rock
      • WASHINGTON
      • Spokane
    • About ›⤵
      • About
      • Our Staff
      • Our Locations
    • Referral Program
    • Newsletters
    • Blog
    • Get A Quote
    • Our Providers
    • Community Involvement ›⤵
      • Community Involvement
      • Superhero Kids
  • Contact Us ›
    • Contact Us
    • Contact Us
    • Location & Hours
Auto and Home Icon

Auto & Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Life & Disability

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Annuities Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > How To Protect Your Auto Repair Shop From Common Liability Exposures
MONDAY, JANUARY 30, 2023

How To Protect Your Auto Repair Shop From Common Liability Exposures

Mechanic working on car - Auto Repair Shop Insurance While owning and operating an auto body repair shop can be a very rewarding experience, owners face a number of exposures that they will need to contend with on a daily basis in order to successfully run their business. It’s important to understand the challenges presented by these exposures, as they can cause significant damage to your clients’ property, serious physical harm to your employees and irreversible financial consequences for your business.

In addition to risks common to every industry, auto body repair shops face unique risks due to the movement of vehicles, the need to perform repairs, and the presence of equipment and chemicals. The list below provides an overview of these risks and more—helping you identify potential blind spots in your risk management and insurance programs.
Contact Button
Get A Quote Button

  • Significant property exposures are present in auto body repair shops due to the presence of toxic or flammable chemicals and materials used for repairs, as well as the constant moving of vehicles around the property. Vehicles, tools and equipment, office supplies and the building itself are all at risk of being damaged during day-to-day operations.
  • Even for a company that specializes in knowing vehicles inside and out, it’s important to protect yourself from commercial auto exposures. Auto body shop employees often use vehicles for business purposes, such as for picking up parts and materials, towing or providing mobile auto repair services. Additionally, if your business offers towing services, your commercial auto exposures will increase.
  •  Equipment breakdown can lead to huge costs and lengthy delays. Equipment like jacks and lifts are necessary for your daily work and, if damaged, must be repaired or replaced quickly in order to maintain operations.
  •  General liability exposures at auto body repair shops can directly affect customer safety and, when injuries occur at your business, you could be held responsible. Accidents related to slips, trips and falls are a source of concern. Slippery or uneven surfaces, under-lit exteriors and moving vehicles can all lead to accidents.
  •  Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to midsized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Common interruptions for auto body repair shops can include natural disasters, fires, part recalls, cyber events and staff shortages.
  •  Due to the presence of toxic or flammable chemicals such as oil, grease, hydraulic fluid and other substances, auto body repair shops must contend with the possibility of environmental liability in the event of a chemical spill or similar incident. Environmental incidents are particularly concerning for body shops because they can cause harm to the surrounding community, involve costly cleanup and often cause damage to a business’s reputation. What’s more, businesses that cause harm to the environment are at risk of incurring fines that can exceed hundreds of thousands of dollars.
  •  Crime exposures can be of particular concern for auto body shops because of the presence of expensive parts, equipment and vehicles. Auto body shops are also at risk of computer fraud, forgery or alteration, cash theft and employee dishonesty. In some cases, a body shop’s location and the type of vehicles they service can increase crime exposures.
  •  Any time one of your employees is injured on the job, your business could face an expensive workers’ compensation claim. Normal, everyday tasks related to driving vehicles and performing repairs can all lead to accidents and, in turn, increased costs for your business. Musculoskeletal injuries, burns, shocks, respiratory problems, hearing loss, heat exhaustion, slips, trips, falls, sprains and strains are all common on-the-job injuries for employees of auto body repair shops.
  •  Customers trust you to take care of their vehicles when they leave them with you, which creates garagekeepers liability. Auto body repair shops must contend with liability exposures with respect to damage to a customer's vehicle left in their care for service or repair. 

For More Information

Proper risk management practices can reduce certain exposures, but no system is 100% effective in ensuring an incident-free workplace. As a result, it’s all the more crucial to work with a trusted insurance professional to assess your unique exposures. To learn more, contact us today.

Posted 1:33 PM

Tags: business insurance, commercial insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • tips(41)
  • business insurance(31)
  • auto(17)
  • home insurance(16)
  • auto insurance(12)
  • insurance(9)
  • safety tips(8)
  • home(7)
  • cyber liability insurance(7)
  • safety(7)
  • life insurance(6)
  • risk management(5)
  • cyber security(4)
  • commercial insurance(4)
  • homeowners(4)
  • coverage(4)
  • policy(4)
  • workers comp(3)
  • general liability(3)
  • renters insurance(3)
  • construction industry(3)
  • commercial property insurance(3)
  • homeowners insurance(3)
  • contractors(3)
  • commercial auto(2)
  • directors & officers(2)
  • discounts(2)
  • motorcycle(2)
  • osha guidelines(2)
  • business auto(2)
  • religious organizations(2)
  • cybersecurity(2)
  • personal liability(2)
  • covid-19(1)
  • accident fraud(1)
  • partnerships(1)
  • directors and officers(1)
  • taylor(1)
  • business(1)
  • owners(1)
  • life events(1)
  • flood insurance(1)
  • skin cancer(1)
  • faq(1)
  • insurance policy(1)
  • eco-friendly lifestyle(1)
  • pets(1)
  • green living(1)
  • landlord insurance(1)
  • accidents(1)

View Mobile Version

Contact Us Today!
512-331-0787

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Social Feed
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1841 S Lakeline Blvd. Ste 101-302 | Cedar Park, TX 78613
P: 512-331-0787 | Text: 512-980-9469 | F: 512-506-8115
Email Us: Personal Lines | Commercial Lines
© Copyright. All rights reserved. | Powered by Insurance Website Builder