When you get Houston, TX auto repair shop insurance, you can focus more on your business and stop worrying about the “what ifs.” Preparing for the future is necessary, especially if you are a business owner. However, trying to prepare for everything is virtually impossible. There is no way to be able to successfully predict every possible incident and possible outcome. If you try to, you wind up wasting time and resources, and you end up stressing yourself out.
For incidents that we cannot predict, you can invest in an insurance policy. Insurance policies can cover you for damages and injuries that you could not prepare for. You do not want to deal with a lawsuit and have no way to pay for the costs. Many people have lost their businesses due to the lack of proper coverage. Even worse, many people do not even have coverage at all. Not having insurance can cost you thousands or more out of your own pocket.
Don’t risk everything you’ve worked for. When you call Texas Insurance Agency, we can help you find the Houston, TX auto repair shop insurance policy that works best for your business. Whether you are a large or small business, we can help you protect your hard work and help you prepare for the future. With us on your side, you can stop worrying about preparing for disasters and focus more on your business.
Houston, TX Auto Repair Shop Insurance
If you own an auto repair shop, you understand that there is a type of risk involved with your business. People can suffer from injuries, damages can occur to a customer’s vehicles, and you can experience theft and vandalism.
Auto shops need to pay particular attention to the type of insurance policies they have. While general liability insurance is always great, no matter what type of business you have, it may not be enough for what you do.
At Texas Insurance Agency, we can make sure you have enough coverage with the right policies. We can see if you need policies such as Garage Liability and Garage Keepers. You may also want to consider property and equipment insurance if you do not already have it. Simply having general liability and worker’s compensation may not be enough if something were to happen.
Garage insurance, also known as auto service and repair insurance, can protect you against many liabilities. For instance, if someone slips and falls due to negligence, you may have to pay for medical costs.
The types of businesses that use this type of insurance are auto repair shops, body shops, tow truck companies, impound lots, muffler shops, transmission shops, auto dealerships, and tire and battery repair shops.
This policy is an extra policy to add to your existing policy. This policy helps cover you if things were to go wrong form day to day operations. This policy can cover bodily injury and property damage that occur directly from work operations. A lot of times, the work that goes on in these types of businesses is not typically covered under normal commercial and general liability insurance policies. Therefore, auto shops will want a specialty policy to help cover those costs.
This policy will also include coverage for customers who get injured while on the business grounds, as well as employee dishonesty coverage. This can help cover costs against theft or vandalism an employee comes to a customer’s vehicle.
You can also add commercial vehicles that conduct business, such as delivery trucks for parts. Be sure to ask about protection for parts that may get damaged or other products that your business sells due to faulty parts that get installed on a customer’s car.
However, this policy will not cover damages to tools, the building, your personal property, or the business property. If your property gets damaged or stolen by someone outside the business, this policy will also not cover the costs. You may want to ask about a separate policy for that.
Garage-keeper insurance can cover costs of damages to a customer’s vehicle while in your shop. This can be during test drives and storage outside of operation hours. This policy will also cover things such as vandalism and theft of a customer’s vehicle. If you have multiple locations, you will need a policy for each location.
Speak to Us About Other Business Insurance Policies
When you own a business, there is no telling what type of risks you may run into. Because it is impossible to prepare for every outcome, you want a safety net to help protect you when those unpredictable situations arise. At Texas Insurance Agency, we pride ourselves in helping business owners just like you get the policies that work perfectly for them. We partner with many other insurance companies to help find the best policy for you.
That way, you are only paying for what you need-no more, no less. We simply want to help people. We are not in this business just to make a sale. We know what it means to be a business owner, and we want to do our part in helping our client protect their hard work.
With all the other risks out there that can cause a business to fail, a lawsuit does not have to be one of them. The best way to protect yourself and your business are to make sure you have the proper insurance policy.
When you call Texas Insurance Agency, you will meet a team of agents that are highly educated in the insurance world. With all the legal jargon and confusing red tape, it can get discouraging to many people who are trying to protect their business. We know how to break things down so that our clients will know exactly what they are covered for and for how much.
When our clients work with us, we make it personal. We want to get to know you and your business. We learn from many of our business owners the types of issues they often run into. Therefore, we search for the best policy to help protect them with the best policy based on their criteria.
We want to help you. Give us a call, or visit us at any one of our locations, including Katy, Pearland, North Houston, Tanglewood, and the Woodlands. Call us and ask how we can help you get the best Houston, TX auto repair shop insurance policy.
Fun Facts for Houston, TX
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