Massachusetts Auto Glass Repair Shop Insurance Policy Information
Massachusetts Auto Glass Repair Shop Insurance. Auto glass performs entirely different functions than the glass used in the construction of buildings - not only must auto glass adequately support the structure of the vehicle at all times, it also needs to be resistant to the many bumps it will be subjected to, and nearly shatter-proof in case of accidents. When auto glass does break, it is designed to shatter into small pieces that don't have sharp edges, to protect the occupants.
Auto glass repair shops install, service, and repair windshields and windows in automobiles, motorcycles, recreational vehicles, and trucks. Repair services include fixing small chips or cracks without replacement of the entire window.
Standard-sized windshields and windows are kept in stock. For less common sizes, the window opening is measured, any debris is removed, the glass is cut to size with edges sanded, fitted into the frame, secured with glazier's points (small metal clips), and sealed with an adhesive.
The repair or replacement may be done at the shop or at the customer's premises. Some offer additional services such as window tinting, headlight or taillight installation or repair, mirror replacement, or auto detailing.
These windshield repair shops have the potential to be extremely profitable, but starting with the fact that people's safety will depend on the correct installation of new auto glass, it is also clear that these businesses face a number of risks.
What Massachusetts auto glass repair shop insurance might abe needed to help manage anything from minor mishaps to major perils?
Massachusetts auto glass repair shop insurance protects your windshield and automobile window repair business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Why Do MA Auto Glass Repair Shops Need Insurance?
Many shops are small, and often family-owned, businesses that have built their companies from the ground up. The small mishaps and larger-scale disasters they may face could easily cause catastrophic damage to their financial outlook, even to the point of bankruptcy. Investing in a comprehensive insurance plan means safeguarding your auto glass repair shop from hazards.
Although you may invest in a security system, for instance, theft and vandalism will always remain threats - and although you take health and safety seriously, accidents can happen, too.
While these perils can result in significant property damage, this does not begin to compare to the scale of loss you may encounter if your auto glass repair shop is hit by an act of nature, such as an earthquake or hurricane.
MA automobile glass repair facilities face liability risks, too. Litigation due to alleged incorrect windshield installation is not unheard of, to name an example, and customers can sue you following an vehicle accident even if your carried your job out to the highest standards. Employees may become injured while at work too, resulting in substantial expenses.
One thing is clear - no business can ever completely eliminate risk. What you can do is equip yourself with the best possible Massachusetts auto glass repair shop insurance coverage, so that even if a worst-case scenario suddenly becomes reality, your business can recover.
What Type Of Insurance Do Massachusetts Auto Glass Repair Shops Need?
Numerous factors influence an MA auto glass repair shop's insurance needs - its location, the value of the equipment they own, and their number of employees, to name but a few.
Because navigating the process of acquiring the insurance you deserve to give your business optimal protection is quite complex, it is vital to consult a commercial insurance broker who is deeply familiar with your line of work.
In general, a combination of commercial policies and specialized kinds of Massachusetts auto glass repair shop insurance coverage are needed, such as:
- Commercial Property - Should your auto glass repair shop fall victim to perils like storms, wildfires, lightning strikes, theft, or vandalism, this form of coverage will help you out with the resulting repair and replacement expenses. Keep in mind that your smaller assets, like inventory and equipment, are also covered in these cases.
- Garage Liability - This specialized form of Massachusetts auto glass repair shop insurance is hurt while in your shop, or if your activities inadvertently cause damage to third party property.
- Garage Keepers' - While you will do everything you can to avoid this, it is possible that you may cause damage to a customer's vehicle while you are working on it. In that case, garage keepers' insurance will cover the costs. The exact nature of the coverage varies from one policy to the next.
- Workers Compensation - This type of insurance protects you and your employees at once. If an employee sustains a work-related injury, their medical costs and any lost wages will be covered. In turn, carrying workers' comp reduces the risk that the employee will sue you.
Bear in mind that further kinds of Massachusetts auto glass repair shop insurance may be required - ranging from commercial auto insurance to cover their own commercial vehicles to cyber coverage to protect their sensitive data. Talking to a commercial insurance broker is the best way to make sure you are prepared for every possible scenario.
MA Auto Glass Repair Shop's Risks & Exposures
Premises liability exposures are limited as customers are not permitted in glass installation areas. Waiting rooms should be provided for customers waiting on repairs. To prevent slips and falls, floor coverings should be in good condition with no frayed or worn spots on carpet and no cracks or holes in flooring.
Steps and uneven floor surfaces should be prominently marked. Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure. There should be a disaster plan in place for unexpected emergencies.
If drinks are available, spills must be cleaned up promptly. Parking areas and sidewalks should be in good repair and kept clear of ice and snow. Work done off premises may result in injuries to customers or others passing by from shattering glass, trips or falls, or property damage to customers' automobiles, structures, or personal property.
Products liability exposure is moderate from sharp edges or faulty installation of the glass, particularly improper sealing of edges which can allow water to penetrate the interior of customers' vehicles. Employees should be properly trained.
Workers compensation exposures are high due to the handling of glass. Cuts, back injuries from lifting, burns from cutting equipment, eye injuries, hearing impairment from noise, and exposure to dust and chips during cutting are common. Safety equipment should be provided.
Lifting techniques should be reviewed to prevent back injuries. Clerical employees are at risk for repetitive motion injuries. Workstations should be ergonomically designed.
Drivers of vehicles may be hurt in auto accidents. Off premises work may result in injuries from shattering glass, trips or falls over customers' property, animal bites, or holdups.
Property exposures consist of an office, material and equipment storage, and installation area. Ignition sources include heating and air conditioning systems, electrical wiring and equipment. Chemicals and flammables may be used to cut, polish, laminate, tint, or bend the glass. These operations should be conducted separate from storage areas.
Combustibles include the packing and wrapping materials used to package and protect the glass. Theft may be a concern. Appropriate security controls must be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.
Inland marine exposure is from accounts receivable if the shop offers credit or bills insurers, goods in transit if glass is picked up or delivered to customers, tools for glass cutting and installation, and valuable papers and records for customers' and vendors' information. Glass is highly susceptible to breakage, scratching and marring. Drivers must be trained in proper loading and tie-down of glass being transported since any loss is likely to be total.
Crime exposures are from employee dishonesty and theft of money and securities. Background checks should be conducted on all employees handling money. There must be a separation of duties between persons handling deposits and disbursements and handling bank statements.
Regular audits should be conducted. Bank drops should be made throughout the day to prevent a buildup of cash on the premises. Receipts for off premises transactions must be provided for all payments and compared to money received.
Commercial auto exposures can be high if there is pickup of glass from suppliers or delivery of glass for offsite installation. The transport vehicle has an unusual design as glass must be transported in an upright position to reduce the possibility of breakage. There should be appropriate tie-downs to prevent shifting and falling during transport.
Any emergency repair services offered may result in time pressures, as well as travel during inclement weather conditions or unfamiliar areas. All drivers must have appropriate licenses. MVRs must be checked regularly.
Vehicles must be maintained on a regular basis with the records kept in a central location. There may be a garagekeepers legal liability exposure for customers' autos kept for repair.
Massachusetts Auto Glass Repair Shop Insurance - The Bottom Line
To find out more about the types of Massachusetts auto glass repair shop insurance policies you'll need, how much coverage you should carry and the premiums, consult with an agent that is experienced in commercial insurance.
Massachusetts Economic Data, Regulations And Limits On Commercial Insurance
If you are thinking about starting a business in the Massachusetts, it's important that you have an understanding of the economic trends and commercial insurance requirements in the state before you set up shop.
Economic trends are important, as they indicate whether or not the area offers a strong economy that will be able to support your business. You also need to know what type of commercial insurance you'll need to carry so that you can plan accordingly and ensure that you are complaint with the law.
To help you determine if the Bay State is the right location for the business you are thinking about opening, below, you'll find an overview of MA's current economic trends, as well as the types of insurance policies you'll need to carry.
Economic Trends For Business Owners In Massachusetts
Unemployment rate is a good indicator of a state's economy. The lower the rate, the more job opportunities there are, which is direct reflection of the health of businesses.
As per the Bureau of Labor Statistics, the unemployment rate in Massachusetts was 2.8% in December, 2019. That's 0.7% lower than the national average, which was 3.5% in December, 2019. This indicates that the state offers a strong workforce and that there are enough jobs to support the residents of the state.
While regions throughout the area are seeing business growth, there are certain areas in particular that are seeing more growth than others. This includes large metropolitan areas and the regions that surround them, including:
- New Bedford
Several industries are doing very well in the state of Massachusetts; however, there are particular sectors that are seeing more growth than others and are truly thriving in this part of the country. These industries include:
- Advanced manufacturing
- Commercial fishing
- Financial services
- Hospitality tourism
- Information technology
- Medicine and life sciences
If you are thinking about starting a business in any of these industries, chances are good that you will find the success you are looking for in the state of Massachusetts.
Commercial Insurance Requirements In Massachusetts
The Massachusetts Division of Insurance regulates insurance in MA. Massachusetts mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Massachusetts requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors, but employees in domestic service must be covered if they work at least 16 hours a week.
Massachusetts also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Auto Service & Repair Insurance
Read useful small business auto service and repair insurance policy information. In an aotu related business, you need to have the right type of commercial insurance coverage so that your garage, employees, and customers vehices & other property is protected.
- Auto Dealers
- Auto Detailing & Mobile Car Wash
- Auto Dismantlers
- Auto Garage
- Auto Glass Repair Shops
- Auto Paint Shops
- Auto Service Repair
- Auto Supply Parts Store
- Car Rental
- Car Wash
- Gas Station
- Motorcycle Dealers
- Parking Lot
- RV Dealers
- Snowmobile Dealers
- Truck Rental
- Used Car Dealer
There is a Auto Service Risks Program is an enhancement of the Commercial Package Policy that is available to certain Auto Service Operations.
Automobile repair shops and garages offer a wide variety of mechanical services, from engine repair to tune-ups. The operation may be stand-alone or be part of another business such as an automobile dealership or filling station.
Gasoline stations are normally limited to the dispensing of gasoline, kerosene, diesel or fuel oil with incidental sales of auto accessories and pre-packaged snack food items. Larger gasoline stations may offer other services, such as auto repair, retail sales of food or auto parts, snack bar or restaurant, propane tank exchange, towing, or baths and overnight lodging facilities for truckers.
Car washes provide facilities for cleaning automobiles and other motor vehicles. Some are drive-through with either partially or fully automated conveyance of the vehicle throughout the operation. Hand washing, waxing, or interior cleaning of the vehicle may be offered, with customers sent to a waiting area. Damage to the customers' vehicles is the primary exposure as machinery and washes can break antennas, pull off stripping, crack glass and damage tires.
The three basic types of risks that are contemplated by the Auto Service Risks Program include:
- Repair Shops - operations primarily engaged in auto repair. This includes shops that do body, fender, radiator, ignition service and paint work.
- Service Stations- operations primarily engaged in servicing autos. The sale and installation of auto accessories are a part of this category as long as major engine or bodywork is not performed. Car wash facilities are eligible.
- Storage garages and other parking places.
The following classifications are specifically listed as eligible: Automobile:
- Quick Lubrication Services
- Repair or Service Shops
- Repair Shops–Self Service
- Car Washes–self-service and full-service
- Convenience Food/Gasoline Stores–self-service, full-service and combined
- Gasoline Stations–self-service, full-service and combined
- Parking–public-open air and not open air
Automobile, motor home, mobile home, trailer, and motorcycle dealers are NOT eligible for this program.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income, Equipment Breakdown, Employee Dishonesty, Money and Securities, Accounts Receivable, Computers, Signs, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Underground Storage Tank Liability, Umbrella, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Flood, Computer Fraud, Forgery, Goods in Transit, Cyber Liability, Employment-related Practices, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.
Request a free Massachusetts Auto Glass Repair Shop insurance quote in Acton, Agawam Town, Amherst, Andover, Arlington, Attleboro, Barnstable Town, Belmont, Beverly, Billerica, Boston, Bourne, Braintree Town, Bridgewater, Brockton, Brookline, Burlington, Cambridge, Canton, Chelmsford, Chelsea, Chicopee, Concord, Danvers, Dartmouth, Dedham, Dracut, Easton, Everett, Fall River, Falmouth, Fitchburg, Framingham, Franklin Town, Gardner, Gloucester, Haverhill, Hingham, Holyoke, Hudson, Lawrence, Leominster, Lexington, Lowell, Ludlow, Lynn, Malden, Mansfield, Marblehead, Marlborough, Marshfield, Medford, Melrose, Methuen Town, Middleborough, Milford, Milton, Natick, Needham, New Bedford, Newton, North Andover, North Attleborough, Northampton, Norton, Norwood, Peabody, Pittsfield, Plymouth, Quincy, Randolph, Reading, Revere, Salem, Sandwich, Saugus, Shrewsbury, Somerville, Springfield, Stoneham, Stoughton, Sudbury, Taunton, Tewksbury, Wakefield, Walpole, Waltham, Wareham, Watertown Town, Wellesley, West Springfield Town, Westborough, Westfield, Westford, Weymouth Town, Wilmington, Winchester, Woburn, Worcester, Yarmouth and all other MA cities & Massachusetts counties near me in The Bay State.
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