If you own a garage, you already know how important it is to have auto repair shop insurance. Garage owners must face more risks than ordinary retail stores. Even though customers typically aren’t allowed in the work area, it’s impossible to stop a few wandering eyes from stumbling into areas filled with accidents waiting to happen, like tripping hazards, slipping hazards and low clearance spaces. This is why it is so important to do a lot of research to find what auto repair shop insurance New York has to offer.
When you’re shopping for insurance, here are a few types of policies you may want to consider. A liability policy will give you basic coverage, but it may not be enough for the specific needs of your business. An umbrella policy will cover much more. Just make sure it includes what you need so you’re not paying extra for coverage of no use to you. You may also want to take a look at a property and cargo coverage and an auto and fleet liability. These types of coverage may fill in the gaps where a liability or umbrella policy may be lacking.
Lastly, when shopping for auto repair shop insurance New York has in the area, it may make the process a bit less overwhelming if you simply keep in mind what is most important to you and your business. Look for a company that can fit together a plan tailored for you.