你的修理店可能容易受到许多风险的影响, 比如身体伤害索赔, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.

Commercial general liability insurance is an absolute necessity for every repair shop. 这种类型的保护为房地提供了广泛的保护, operations, 完成运营及广告, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.

当油箱爆炸引起无法控制的火灾时, your commercial property and everything within it can suffer a significant loss. 这可能会对你的维修店业务产生不利影响.

Commercial property insurance can help protect the property your business owns or leases, 包括设备, inventory, furniture, and fixtures. 无论你是拥有自己的办公大楼还是租用自己的办公空间, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

The nature of your business means you’re responsible for valuable cars, trucks, 以及其他汽车. 作为一个修理店的老板, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.

你应该购买实物损失险, 称为车库管理员覆盖, designed to help you protect your customers’ property and your business in the event that accidents, injuries, 或者发生财产损失. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.

You’re constantly moving your tools from one area of your repair shop to another, 由于损坏或盗窃，使您的业务面临潜在的损失. And without your specialized tools and equipment, your repair job may come to a screeching halt.

You can purchase special equipment insurance designed to protect your tools and equipment on the move. 保险单将赔偿设备的各种损失, including fire, explosion, vandalism, theft, 与其他设备或物体碰撞, and overturning.

If one of your employees receives an injury or becomes ill due to a work-related occurrence, 法律要求你有适当的保险.

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. 这是法律要求的，可能因地区而异, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

作为一个修理店的老板, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, 或在经营过程中使用的其他类型的车辆, a single accident can potentially put your business in financial jeopardy.

Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, 还可以包括综合保险和碰撞保险.

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. 如果你的公司被发现对损害或伤害负有责任, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, 而且经常扩大覆盖范围. 承保范围扩大到各种保单, 包括一般责任保险, business auto, 以及董事和高级职员责任保险.