Auto Glass Shops Insurance

Small businesses, such as auto glass shops, should be protected from unexpected

disasters, liabilities and other risks in order to avoid financial burden or possibly

losing the business altogether. A variety of business insurance policies are available

to owners and operators of auto glass shops, which provide windshield replacement

services and other glass jobs for a variety of vehicles, to provide optimum coverage

for a number of risk exposures. Auto glass shops insurance is crucial for the additional

security and protection against unforeseen events. It may be purchased separately

or combined into a complex insurance policy for maximum coverage.



Types of Auto Glass Shops Insurance



There are many types of auto glass shops insurance available for your business that

will provide additional coverage for a number of liabilities and risks. Whether

you want to cover against employee accidents, general liabilities, unforeseen disasters,

or other types of risks, you can find a policy suited to your needs.



Auto Glass Shops Commercial Auto Insurance



For auto glass shops that own vehicles used by employees for mobile service, pick-ups,

deliveries, or to give quotes to potential customers, commercial auto insurance

is needed. Commercial auto insurance will cover any vehicle that is used for business-related

tasks and covers accidents, theft, medical expenses, vandalism and other events

that may occur while the vehicle is being used for providing mobile service, deliveries

or other types of errands for the auto glass shop. The amount of coverage provided

by the commercial auto insurance policy depends largely on the level of policy obtained.



Auto Glass Shops Garage Keepers Liability Insurance



Auto glass shops often store other people’s vehicles in their garages, which will

cause them to be liable for any unforeseen event that may occur while it is stored,

such as a fire, flood, natural disaster, extreme weather conditions, or theft. For

this reason, it is crucial that auto glass shops with garages purchase a garage

keeper’s legal liability insurance policy. Garage keepers insurance covers these

types of risk exposures and other types of unforeseen events, depending on the level

of coverage of the insurance policy.



Auto Glass Shops Workers Compensation



Every small business is required by law to hold worker’s compensation insurance

for their employees as it protects the company against illness or injury an employee

suffered on the job. Worker’s compensation also helps cover an employee’s medical

expenses from the illness or injury as well as providing income stability, while

he or she is unable to work as a result of an injury. Whether you have one employee

or ten in your auto glass shop, worker’s compensation is not only required by law

but it is an essential part of providing security and protection for your business

in the case of an occupational injury.



Auto Glass Shops General Liability Insurance



General liability insurance coverage is another type of business insurance. It provides

security and protection for a variety of hazards and accidents that may occur on

the premises of the auto glass shop. For example, a cleaner used following the installation

of windshields may cause illness to a customer who is allergic to it, or a customer

may have an accident inside the shop. General liability insurance also covers damages

associated from other types of liability. For additional protection, umbrella insurance

policy can be added to the general liability insurance to provide higher limits

than may be afforded by the underlying General liability policy.



Auto Glass Shops Business Owners Policy (BOP)



A business owners policy, also called a BOP, is a comprehensive insurance policy

that combines various insurance policies into one package. This type of insurance

covers business assets and costs associated with a variety of risk exposures, such

as damage to the building of your shop from vandalism, extreme weather conditions,

fire, floor, or a natural disaster such as an earthquake or tornado. The business

structure is covered by this insurance as well as offering financial protection

when you are responsible for the costs of replacing equipment or remodeling the



Auto glass shops insurance is an important part of owning and operating a shop that

does auto glass repairs due to the many unforeseen events that may occur. Your business

assets, business dwelling, employees, and financial assets can all be covered by

choosing the right policies for your business needs.