Local drivers rely heavily on San Antonio auto repair shops to keep their vehicles in good working order. Mechanics, tow truck drivers and auto-body workers provide important services in our community. As a local, independent insurance company, Village Insurance takes pride in looking out for garage owners and auto repair companies by offering custom, industry-specific insurance packages.

Repair Shop Risks

Garages and repair shops have special liability concerns unique to the auto-repair industry. Village Insurance specializes in helping garage owners and independent mechanics with customizable insurance policies to meet their specific needs. We take the time to get to know each of our customers, and we’ll help you review your liability concerns, taking special note of gaps in your current insurance coverage. Then we’ll shop through our network of insurance carriers to find affordable policy options to match your circumstances.

Coverage for Your Shop

General Liability for Mechanics protects everyday business operations in an automotive shop. This insurance covers expenses if a customer or a customer’s property is injured or damaged on your premises.

Business Property Insurance insures your shop as well as your equipment and inventory in the event of a covered loss such as a fire or theft.

Business Owners Policies (BOP) for Auto Shops combine general liability with business property insurance. Additionally, this type of coverage will protect against certain intangible losses such as the loss of bookkeeping records in a fire.

Commercial Auto Insurance protects you and your employees when you drive for business purposes, whether you are driving a company vehicle, test driving a customer’s car or driving your own vehicle for business.

Workers Compensation Insurance protects employees in the event of an on-the-job injury and can also protect your business against costly medical bills and lawsuits. Although the State of Texas allows businesses to nonsubscribe to this coverage, we strongly recommend it as protection for your company as well as your employees.

The details of business insurance may seem confusing, but the professionals at Village Insurance are always happy to help. Let us untangle the details for you with a free online quote. You can also call us with any questions you may have. We look forward to insuring your auto shop so you can confidently help your customers get back on the road.

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