Auto Businesses Insurance

Auto Businesses Insurance

Cars and trucks are big business in the State of New York, as are the companies that service them. If your company is in the auto services trade, you have unique New York auto business insurance needs.

What Insurance Does My New York Auto Business Need?

While there are some common insurance needs between companies, insurance for auto businesses will vary according to the type of services you provide.

In addition to standard commercial property, liability, employee-related and lost income coverage, here are some additional insurance considerations you may have based on the type of auto business you run:

  • Car Washes: Car washes need equipment breakdown coverage for all their machinery. You should also consider additional liability protection if your employees must drive the cars around.
  • Gas Stations: You may be required to obtain specific types of insurance in order to acquire the permits you need to run a gas station. One of these may be environmental impact insurance, which protects you against lawsuits about leaks or spills of your gas or oil that caused damage to the environment.
  • Auto Repair Shops: Whether you run a body shop, a muffler and transmission service station or a glass repair business, garage keeper’s liability insurance protects you from being liable for anything that happens to a car you’re storing at your facility. You’ll also want to make sure you have plenty of insurance to cover the possible theft of the expensive auto parts you carry in your inventory.
  • Capital Gate can provide insurance quotes for many auto and auto service related businesses as well.

Just to name a few other classes of business we can help:

Automobile body shops

Muffler shops

Transmission shops

Audio, alarms, with sunroof installation shops

Quick lube shops

Auto glass repair and replacement

We know where to look to get the best insurance coverage for you - at the best price... Remember, we only earn our money by saving you yours, it's that simple!