Like the full-service auto repair shop, those in the Quick Lube or vehicle oil changing industry may include mechanics on staff to service customers’ basic mechanical or maintenance needs. Related insurance coverage can run the gamut of associated commercial liability.

Insurance for Quick Lubes and Auto Repair Shops

• General Liability Insurance
  Slip and fall injuries due to oil spillage on floors enhance the general risks of liability that this coverage can protect you from.
  
  
• Property Insurance
  This coverage comes into play if your property or equipment is damaged due to fire, an explosion, a burst pipe, a storm, a theft or a vandal.  
  
  
• Garage Keepers Liability Insurance
  This coverage protects you in the event there is a theft or vandalism in relation to your customers’ vehicles during the time they are stored in your garage overnight to service them.
  
  
• Commercial Auto Liability Insurance
  This coverage can shield the vehicles used for your business transports or mobile servicing from costs related to damages.
  
  
• Equipment Breakdown Insurance
  In the event your equipment needs to be replaced or repaired this insurance will cover the costs.
   
• Workers Compensation
  This covers the costs of medical fees in the event an employee gets injured or sick due to circumstance on the job.

All of the above forms of coverage can be bound on a mono-line basis or as part of a business owner’s commercial insurance package policy. Speak to us at Prime Insurance for further details and other coverage options.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Quick Lube oil changing shops and auto repair shops need commercial insurance coverage that protects them from the associated risks and exposures.