If you own an auto glass shop, having the right insurance is important to protect your business from unexpected expenses. Auto glass shop insurance will cover everything from damaged equipment to injuries on your premises. For instance, if you need auto glass shop insurance to keep your business running smoothly, it can help protect against costly liability claims or unforeseen accidents.
General liability insurance will cover claims that result from accidents, property damage, or bodily injury that happen during the course of business. So, say a customer trips over a piece of equipment in your shop and gets hurt. General liability can help cover their medical bills or even legal fees if it comes to that. You don't want to be caught without this kind of coverage.
A Business Owner's Policy (BOP) combines general liability with property insurance, giving you a little more bang for your buck. This policy covers damage to your building or equipment due to things like fire, theft, or vandalism.
Picture this: If a fire breaks out in your shop and damages your equipment, your BOP will help cover the costs to get you back up and running.
Tools coverage protects your tools and equipment from theft, damage, or loss. These tools are your lifeline, so imagine if your key pieces of equipment were stolen or damaged. Tools coverage will help replace them so you can keep your shop running without interruption.
Workers comp insurance is a must if you’ve got employees. It covers medical expenses and lost wages for employees who get injured on the job. Let’s say an employee gets cut while handling glass, workers comp will help pay for their medical treatment and cover their time off work while they recover.
Garage keepers insurance covers damage to your customers' vehicles while they’re in your care. If you're keeping a customer's car overnight or while you work on it, this policy will cover any damage that happens to their vehicle—whether it’s from fire, theft, vandalism, or accidental damage in the shop.
For example, if a car you’re repairing gets hit by a falling ladder in your shop, garage keepers insurance will pay for the damages.
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