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Auto shop insurance typically refers to a package of insurance coverages that are designed to protect businesses that sell products or services directly to customers. Depending on the specific needs of your Auto shop business, the following types of coverages may be necessary:
General Liability Insurance: This coverage provides protection against claims of bodily injury or property damage that your business may be liable for. It can also cover legal defense costs if your business is sued.
Property Insurance: This coverage protects your physical assets, such as your store, inventory, and equipment, against losses caused by events such as fire, theft, or vandalism.
Business Interruption Insurance: This coverage can provide financial support if your business is unable to operate due to a covered loss, such as a fire or natural disaster.
Workers’ Compensation Insurance: This coverage is required by law in most states and provides benefits to employees who are injured or become ill due to work-related activities.
Commercial Auto Insurance: This coverage protects your business vehicles and drivers from accidents and other risks while they are on the job.
In Texas, insurance companies offer a variety of Auto shop insurance packages that can be customized to fit the specific needs of your business. To determine the right coverage for your business, it’s best to consult with a licensed insurance agent who can help you assess your risks and recommend the appropriate coverages.