Steve Hom Insurance Protects Your Hawthorne Auto Shop by Providing You With the Right Insurance Coverages at the Best Prices

Policy Types We Recommend in Hawthorne

Garage Liability

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 Hawthorne Auto Repair Shop the most protection available.

Garage Keepers

Hawthorne 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.

Commercial Auto

Like most Hawthorne 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 Hawthorne 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.

Business Property

A Hawthorne 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.

Business Interruption

Many people also know Hawthorne 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.

Workers Compensation

Since your Auto Repair Shop is in Hawthorne, 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.