Auto glass shop insurance is designed for businesses that repair or replace vehicle glass in-shop or through mobile service. This includes windshield repair technicians, tint installers, and full-service auto glass operations.
Coverage is typically structured to address third-party liability, damage to customer vehicles, tools, and business property. Requirements vary by state, contracts, and business size, but most shops carry general liability, commercial auto, and workers’ compensation.
We’ve specialized in glass shop insurance since 2007, backed by nearly two decades of experience in commercial insurance.
General liability insurance helps cover claims that result from accidents, property damage, or bodily injury that happen during the course of business. For example, if 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 helps cover damage to your building or equipment due to things like fire, theft, or vandalism.
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Picture this: If a fire breaks out in your shop and damages your equipment, your BOP may 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 may 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.
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Let’s say an employee gets cut while handling glass, workers' comp may 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 helps cover any damage that happens to their vehicle —whether it’s from fire, theft, vandalism, or accidental damage in the shop.
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For example, if a car you’re repairing gets hit by a falling ladder in your shop, garage keepers insurance might pay for the damages. |
Regularly inspect tools and equipment for damage or wear.
Train employees on proper lifting techniques and safe handling of glass.
Keep walkways clear of clutter to prevent trips and falls.
Use personal protective equipment like gloves and safety goggles.
Follow OSHA guidelines for workplace safety.
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