From the tank that holds spent fluids to the lift that boosts 4,000-pound vans, liability and property risks abound. Expensive, installed equipment; high-value portable tools; tires and other inventory; corrosives, flammables and other hazardous materials; drawers full of stickers and other valuable papers—the list goes on. And don’t forget the possibility of worker or customer injuries, damage to or theft of their property, and the closure of your business due to damage to your facility, equipment or suppliers. Even employee theft must be considered.

Evans, Pires & Leonard has been insuring businesses like yours for more than 40 years and understands small service businesses need protection at an affordable price. We offer Commercial Property Insurance, Garage Liability Insurance and a bevy of other policies that will come to your aid in many different circumstances.

Our Commercial Property policies cover damage from fire, storms, vandalism, theft and other calamities, and our Equipment Breakdown Insurance can help you if a key piece of machinery fails. We have Business Income coverage that will cover lost income if your business has to shut down for a specified period due to a covered cause. Our Inland Marine Insurance can cover your expensive portable tools, and an Employee Dishonesty policy will protect you from internal crime.

You can enhance your property coverage with Flood Insurance, Earthquake Insurance, Ordinance and Law coverage that pays to rebuild to code, Debris Removal and more. We will sit down with you and discuss your operations, property, risks and options.

All shops should carry Garage Liability Insurance, which covers claims for injury or harm that occurs on your premises, as well as problems resulting from your work or from faulty products you use for repair or service. Other liability policies that auto repair shops need include Pollution Liability in case any of the fluids or chemicals you handle are released; Garagekeepers Liability to cover the autos you have under your custody; Towing if you offer that service, even just across the parking lot; and Business Auto Insurance if you have workers who drive on business errands.

We offer Workers Compensation Insurance that meets state requirements, and you may be interested in a Business Owners Policy (BOP) for Auto Repair Shops, which combines some of your essential coverages into one insurance program.