El Cajon Automotive Service & Repair Garage Insurance
Steve Hom Insurance Protects Your El Cajon Auto Shop by Providing You With the Right Insurance Coverages at the Best Prices
El Cajon drivers depend on your business for top-of-the-line vehicle repair services – you help to get them back on the road fast! But, if something unexpected happens and your auto repair business gets interrupted, how quickly will your current insurance agent get you back into the driver's seat of your business and running again?
With so many unknown risks that threaten your business everyday, Steve Hom Insurance provides the most coverage for your automotive repair shop at the best prices the market has to offer, since we're independent insurance agents (we're not tied to just 1 company, we represent dozens!)
So don't wait, get a Free Quote Now!
Request a El Cajon Garage Insurance Quote Today!
Policy Types We Recommend in El Cajon
Similar to a standard General Liability Insurance policy, a Garage Liability Insurance Policy covers an automotive service & repair shop against medical costs and lawsuits that may arise if there is an injury while someone is on the premises. Auto repair shops unfortunately produce more severe injuries than a typical office building, therefore special policies and provisions are in place to best provide your El Cajon Auto Repair Shop the most protection available.
El Cajon Keepers helps provide protection for your customers' cars while they are under your care at your Auto Service & Repair shop. Liability coverage protects your business from lawsuits and medical costs, Garage Keepers covers customer's property. Typically there are options for how much protection you prefer – from limited protection that only coverages damage you are legally responsible for or full protection weather you are legally at fault or not.
Like most El Cajon Garages, you or your employees more than likely test drive customers' vehicles once repairs are complete to verify that they are working optimally. If that is so, your business definitely requires a El Cajon Commercial Auto policy that protects you or your employee as well as the customers' care in the event that an accident during a test drive does occur. Commercial auto policies cover protection if your employees run out to get parts or supplies, go on a lunch run or get into an accident while operating a customers's vehicle.
A El Cajon Business Property Insurance Policy can protect your automotive service & repair shop against damages to your property from covered perils such as accidents, storms, theft, vandalism, earthquake or fire. Property coverage extends beyond just the building itself, it includes inventory, furniture, fencing and outdoor signage.
Many people also know El Cajon Business Interruption Insurance as "Loss of Income Insurance" – by either name, it can help keep your business afloat in the event the unexpected occurs. In the unlikely event something terrible does happen and you are no longer able to operate – you will still need to pay taxes, suppliers, rent/mortgage, employee wages and any other bills you might have. On top of that, you'll probably need income as well to continue to survive. Business Interruption insurance can even help you pay for a temporary location to get your business back up and running as fast as possible.
Since your Auto Repair Shop is in El Cajon, you are legally required to provide worker's compensation insurance in order to provide benefits in the event an employee gets injured on the job. Workman's Comp helps cover medical care & rehabilitation costs as well as lost wages until the employee is well enough to come back to work. If you currently have a Work Comp policy that you think you are paying too much for, let us know and we'd love to shop it around with our many A+ rated carriers.
Why You Need Automotive Repair Shop Insurance in El Cajon
Tons of people these days are deciding not to purchase new cars, so your auto repair business is more than likely busier than ever. It never feels like a bad thing to have so much work, but there are disadvantages; the more busy your mechanics are, the higher the tendency to make mistakes or cause accidents – both of which effect your bottom line. The best way to make sure that doesn't negatively effect your business, is to have the correct garage insurance coverages in place before mistakes or accidents happen.