Question 1

What is a common misconception about General Liability for Auto Repair & Body Shops?

Accepted Answer

Auto repair needs garage liability (specialty form), not standard GL.

Question 2

What happens if auto repair & body shops don't have General Liability?

Accepted Answer

Customer slips in shop — $20K. Garage liability pays.

Question 3

What is a common misconception about Inland Marine (Tools & Equipment) for Auto Repair & Body Shops?

Accepted Answer

Standard GL excludes customer vehicles in your custody. Garage keepers (direct primary or legal liability) is mandatory.

Question 4

What happens if auto repair & body shops don't have Inland Marine (Tools & Equipment)?

Accepted Answer

Customer car catches fire in your shop — $32K. Garage keepers pays.

Question 5

What is a common misconception about Professional Liability (E&O) for Auto Repair & Body Shops?

Accepted Answer

Repair shops face product/professional liability when their work fails.

Question 6

What happens if auto repair & body shops don't have Professional Liability (E&O)?

Accepted Answer

Brake repair fails on highway, accident — $130K. Faulty workmanship coverage pays.

Question 7

What is a common misconception about Workers' Compensation for Auto Repair & Body Shops?

Accepted Answer

Auto repair WC has higher rates than light commercial.

Question 8

What happens if auto repair & body shops don't have Workers' Compensation?

Accepted Answer

Tech back injury lifting transmission — $40K. WC pays.

Question 9

What is a common misconception about Pollution Liability for Auto Repair & Body Shops?

Accepted Answer

Auto shops generate hazardous waste — used oil, fuel, refrigerant. Pollution claims happen.

Question 10

What happens if auto repair & body shops don't have Pollution Liability?

Accepted Answer

Used oil spill enters storm drain — $30K cleanup + EPA fine. Pollution pays.

Question 11

What is a common misconception about Commercial Property for Auto Repair & Body Shops?

Accepted Answer

Lifts and diagnostic equipment are expensive.

Question 12

What happens if auto repair & body shops don't have Commercial Property?

Accepted Answer

Fire destroys equipment — $80K. Property pays.

Auto Repair & Body Shops Insurance Coverage Guide | RISKX