Garage Coverage

Reliable Risk Management supports the ASA, I-CAR, EVIT, and CREF.

Automotive garages range in their extent of repair from your 2-car lift mechanic to your full autobody collision and repair center. It is Reliable Risk Managements philosophy that both businesses deserve the same attention because every business has needs unique to only them. Reliable Risk Management is always seeking to provide innovative solutions to a range of coverages needed by both small and large garages. Reliable Risk Management provides a range of benefits such as:

• Meeting OSHA hazard requirement
• A best practices safety library
• The ability to build a behavior-based safety program
• Create effective efficient employee training

Reliable Risk Management understands the various business insurances including but not limited to

General Liability

A 4-car lift garage and a full automotive dealership service center both share the same need for general liability insurance. This type of coverage is meant to cover a broad spectrum such as negligence that leads to third party injuries or property damage. Whether you win or lose your case this coverage would cover the costs of an incident.

Garage Keeper Insurance: Direct Primary

Garage keeper’s insurance is an obligatory insurance that is needed by every repair center, garage, or even simple oil change facility. This insurance protects customers cars while they are in your care. This means regardless of the party at fault, whether it be a employee of yours or a unrelated external party, you are covered. If you want to learn more about Garage Keeper Insurance click our to read our article about it here.

Workers Compensation Insurance

Workplace accidents are a realistic possibility in any workplace, whether a mechanic or just a secretary. If you have workers being paid, chances are you will need some form of workers compensation insurance. This coverage helps to ensure that your company is safe from litigation, by covering a worker’s medical fees and lost wages should they suffer a work-related injury.

Commercial Vehicle Insurance

This insurance coverage protects any vehicles you may use, such as a garage owned tow truck or company courtesy vehicle and these vehicles should be insured for both accident related incidents as well as collision and non-collision damages.

Commercial Property Insurance

If you have a garage, automotive collision repair center, or auto dealership, you utilize protection that falls under commercial property insurance. This insurance protects against a vast range of physical losses from your computers and tools to fences and signs. This type of insurance can be key in preventing a total loss from fires, theft, wind, and falling objects.

Inland Marine

Chances are you don’t necessarily have every part or may need to tow a customer’s vehicle to your facility. Commercial goods in transit or in the process of being transported are all covered by Inland marine insurance. This could be any goods from complete cars and diagnostic equipment to car parts and repair tools.

Umbrella Insurance

A business owners worst fear is having insurance come through only to have debt still left. This style of insurance helps to protect your assets when all else fails. If your insurance pays to its maximum amount on something like commercial property insurance, commercial auto insurance, or general liability insurance and there is still outstanding debt, your umbrella coverage comes in to cover you, ensuring you are never having to pay out of pocket.


Civil Suits can seem like a daunting foe in the face of loss, but that’s why professional insurance may be for you. This is a form of insurance that protects you and your business from litigation derived from accused negligence by a client and potential damages awarded in a civil lawsuit. This could potentially be something be an overlooked car problem leading to larger issues or a mishandled repair. This could also include defenses costs should legal actions prove to be groundless.


From Antiknock fluids to motor oil and solvents, auto care facilities handle a range of potentially environmentally hazardous chemicals. Should a accident or spill occur, causing pollution or environmental damage, this insurance would cover against potential environmental hazards as well as liability to injury or death caused by such environmental hazards. This insurance can also cover brownfield restoration and cleanup should there be a need for it.

Cyber Insurance

Customer phone numbers, billing addresses and payment info could all be potentially stored online and therefore need cyber insurance. This insurance protects against potential breaches of cyberspace such as data destruction, extortion, theft, hacking and denial of service attacks.

Employment Liability Insurance

Employees are some of your strongest assets and business owners everywhere take strong steps to protect them. Employers Liability Insurance protects your employees if they are affected by an illness or job-related injury not covered by workers compensation. It is often bundled with your workers compensation insurance to provide the best coverage.

Mechanics Error and Omission

We know everyone makes mistakes. Even the best of the best can have a bad day. That’s why protecting yourself with a proper Mechanics Error and Omission coverage can help to mitigate risk and ensure everyone is happy at the end of the day.

Strong Relationships

Through strong relationships with many “A Rated” insurance carriers, we can adjust to the chaotic nature of the automotive market and the risk associated with it. Reliable Risk Management can help to reduce risk with easy to understand infographics and risk mitigation techniques. We understand how unpredictable the day to day can be and we are here to help you strategize. Reliable Risk Management is here to help, our staff are always on standby to help find a solution to your specific needs. We understand that not every shop may be the same as the next so call today to review your current policy!