Insurance for an Auto Repair Shop in Houston

Repair shops deal with very expensive tools, customer cars, and flammable materials daily. Accidents, robbery, or mechanical mishaps can easily develop into lawsuits or expensive repair bills. There is always a chance of losing some money or reputation in case of even a small mishap in the repair work.

Insurance covers your company with shop-related issues: a fire, equipment failure, customer injury, or a vehicle breakdown under your custody. When you are mending brakes or changing engines, the proper policy can protect your store against legal expenses, repair claims, and any surprise closures. 

Who Needs Auto Repair Shop Insurance?

Auto repairmen, shop owners, tire shops, body shops, and transmission specialists can all require good insurance coverage. When you are servicing, testing, and storing the cars of customers, they are under your care.

An uninsured claim, such as a customer’s car being scratched or stolen, can cost thousands. There is also the risk of employee injuries, suing shop owners for improper repair services, and damaging the property. Son Pham Insurance is insurance that works in the auto repair environment, and it allows you to process claims quickly and keeps your tools and team insured.

What Makes Us a Dedicated Auto Shop Insurance Provider?

Son Pham Insurance has shop-specific plans that recognise your real-life risks. We assist you with protecting the physical area of your shop, your equipment, your employees, and the vehicles of your customers. We develop policies capable of dealing with the speed and harsh environment of the auto repair business.

General liability and garage access insurance, through to workers’ compensation and fire protection, we keep you covered on every angle. Our team is fast to process claims and offer advice, which prevents some of the most common insurance gaps. We concentrate on being straightforward coverage to make sure your shop runs smoothly.

Get the Right Plan for Your Repair Business

Each automobile store has varying sets of risks and budgets. We assist you in securing coverage that suits your services, number of staff, and type of property. We are fast, and we do it on the basis of what your business really requires.

Our policies are also flexible and easy to understand, from our garage liability to tool coverage. We cover your staff, your machinery, and the vehicles under your custody. You know, no overpaying, no gap, and the correct insurance for your repair business.

What does our Auto Repair Shop Insurance Cover?

• Cover employee injury, protection of a customer vehicle and equipment, fire, theft, and defective service claims
• Plans for both small and big auto aid companies, tire stores, mechanics, and repair garages
• Proactive claims support and policy reviews to maintain pace with increased tools, vehicle types

Garage Keepers Liability

Insures damaged cars that are in your care, by fire, vandalism, or theft.

Tools & Equipment Coverage

Saves the cost of expensive equipment against theft, failures, and accidents.

General Liability

Cover the situations when a customer or their property was damaged or hurt.

Workers’ Compensation

Covers the medical expenses and wages of an employee lost due to a work injury.

FAQs

Does this policy cover customer vehicles in my shop?

Yes, in case the customer’s car gets damaged in your custody, whether by fire, theft, or accident, the insurance assists in the repair or replacement.

What happens if shop equipment gets stolen?

Your policy covers stolen tools and equipment. It doesn’t matter if it is break-in theft or stolen equipment; insurance allows you to recover the loss and replace the gear quickly.

Does it pay if a mechanic gets injured on the job?

Yes, when an employee suffers an injury on the job, workers’ compensation takes care of both medical bills and lost wages. It keeps your employees and your company out of legal trouble.