Auto Glass Repair Shop Insurance Policy Information
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 auto glass repair shop insurance might abe needed to help manage anything from minor mishaps to major perils?
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.
Below are some answers to commonly asked auto glass repair shop insurance questions:
- What Is Auto Glass Repair Shop Insurance?
- How Much Does Auto Glass Repair Shop Insurance Cost?
- Why Do Auto Glass Repair Shop Need Insurance?
- What Type Of Insurance Do Auto Glass Repair Shop Need?
- What Does Auto Glass Repair Shop Insurance Cover & Pay For?
What Is Auto Glass Repair Shop Insurance?
Auto glass repair shop insurance is a type of insurance that specifically covers the risks associated with operating an auto glass repair business. This type of insurance typically includes coverage for liability, property damage, and business interruption.
Liability coverage protects the business from legal claims if a customer is injured or their property is damaged as a result of the business's actions. Property damage coverage protects the business from losses due to damage to the building or equipment. Business interruption coverage provides financial protection if the business is forced to close temporarily due to a covered event.
How Much Does Auto Glass Repair Shop Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small auto glass repair shops ranges from $57 to $79 per month based on location, size, revenue, claims history and more.
Why Do Auto Glass Repair Shops Need Insurance?
Auto glass repair shops need insurance to protect themselves from financial losses due to accidents, injuries, or damage to their property. Auto glass repair shop insurance can also protect the business from liability claims made by customers who are injured or have their property damaged as a result of the shop's services.
Additionally, many states require auto glass repair shops to have certain types of insurance in order to operate legally.
Insurance can also provide protection for the auto glass repair shop in case of theft or vandalism. This can include coverage for the cost of repairs or replacement of damaged equipment, as well as any losses from stolen inventory or tools.
Furthermore, insurance can also protect the auto glass repair shop from potential errors or omissions during repairs. This can include coverage for any damages or injuries resulting from mistakes made during the repair process.
Lastly, insurance can also provide financial stability and security for the auto glass repair shop. By having the right insurance coverage, the shop can have peace of mind knowing that they will be protected in the event of an unexpected loss or accident, allowing them to focus on running their business.
What Type Of Insurance Do Auto Glass Repair Shops Need?
Numerous factors influence an 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 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 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 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.
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.
What Does Auto Glass Repair Shop Insurance Cover & Pay For?
Auto glass repair shops may be sued for various reasons, including:
- Negligence: If the repair shop fails to properly repair or replace the auto glass, resulting in damage or injury to the vehicle owner, they may be sued for negligence.
- Breach of contract: If the repair shop does not fulfill their obligations as agreed upon in the contract with the customer, they may be sued for breach of contract.
- Misrepresentation: If the repair shop misrepresents the quality of their work or the materials used, they may be sued for misrepresentation.
- Product liability: If the auto glass used by the repair shop is defective and causes harm or damage to the vehicle owner, they may be sued for product liability.
- Fraud: If the repair shop engages in fraudulent activities, such as charging for services not performed or misrepresenting the cost of services, they may be sued for fraud.
Insurance can protect auto glass repair shops in several ways:
General liability insurance: This type of insurance can cover the cost of legal fees and damages in the event of a lawsuit stemming from negligence, misrepresentation, or product liability.
Contract liability insurance: This type of insurance can protect the repair shop from lawsuits related to breach of contract.
Professional liability insurance: This type of insurance can protect the repair shop from lawsuits related to their work, including claims of negligence, misrepresentation, or fraud.
Workers' compensation insurance: If an employee is injured while working at the repair shop, workers' compensation insurance can cover their medical expenses and lost wages, and protect the repair shop from lawsuits related to the injury.
In all of the above examples, insurance can help pay for the legal fees and damages associated with a lawsuit. However, it is important for the repair shop to have adequate insurance coverage to protect themselves from financial losses and reputational damage in the event of a lawsuit.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7536 Automotive Glass Replacement Shops
- NAICS CODE: 811122 Automotive Glass Replacement Shops
- Suggested Workers Compensation Code(s): 8380 Automobile - Service or Repair Center & Drivers
Description for 7536: Automotive Glass Replacement Shops
Division I: Services | Major Group 75: Automotive Repair, Services, And Parking | Industry Group 753: Automotive Repair Shops
7536 Automotive Glass Replacement Shops: Establishments primarily engaged in the installation, repair, or sales and installation of automotive glass. The sale of the glass is considered incidental to the replacement.
- Glass replacement and repair, automotive
Auto Glass Repair Shop Insurance - The Bottom Line
To find out more about the types of 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.
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
The auto service and repair industry is an essential part of the transportation sector, responsible for maintaining and repairing vehicles to keep them running smoothly and safely. However, this industry also comes with inherent risks and liabilities, which is why commercial insurance is necessary to protect both the business and its employees.
First and foremost, the auto service and repair industry deals with hazardous materials and equipment on a daily basis. There is a risk of accidents and injuries occurring in the workshop, and insurance can provide financial protection in the event of a workplace accident or injury.
Additionally, the auto service and repair industry is subject to the risk of property damage. There is a potential for damage to vehicles in the workshop, as well as damage to the business' own property, such as tools and equipment. Business insurance can cover the costs of repair or replacement in the event of such damage.
Furthermore, the auto service and repair industry is vulnerable to liability claims from customers. If a customer's vehicle is not repaired properly, it can result in further damage or accidents on the road, leading to liability claims against the business. Insurance can provide coverage for these types of claims, protecting the business from financial loss.
In conclusion, the auto service and repair industry needs commercial insurance to protect against the risks and liabilities inherent in this line of work. Without insurance, businesses in this industry would be vulnerable to financial loss and legal action, which could ultimately lead to their failure.
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.