INSURANCE PRODUCTS for garages and other auto service operations

At Robinson & Fogle, we specialize in providing insurance products for auto service operations of all types and sizes. While we have over 20 years experience serving businesses in the Austin area, we also serve clients across the greater Texas area. Whether you are in Austin, San Antonio, Dallas, Houston, or somewhere in between, we can serve your needs. To view our portfolio of clients click here, and to read more about our experience click here.

Below is a list of insurance products we offer to garages and other auto service operations. If you would like to learn more about how we can assist you with your garage insurance needs please contact us at: 512.578.8192 or peggy@rfagency.com.

Business Interruption

Business interruption or loss of business income can protect a business in the event of natural disaster, fire or other extenuating circumstances that affects the ability of your company to conduct business. It can provide you with business income while your establishment is in repair for a covered loss.

Business Owner Policy (BOP)

A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. A typical business owner policy may include: property insurance, business interruption insurance, crime insurance, vehicle coverage, liabilty insurance and flood insurance. Depending on additional risks a business owner might face, the business owner and the insurance company can make arrangements for additional components to be added to the original package. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owner Policies usually target small and medium-sized businesses with well-defined risk.

Broadened Garage Liability

Broadened garage liability coverage can provide coverage in case faulty work or a defective product causes damage.

Commercial Auto

Commercial auto coverage can protect your investment in your vehicle(s), damage to the property of others, injury to those involved in an accident, and the future of your business – in case you become the target of a lawsuit.

Commercial Health

Most businesses need to offer their workers health insurance to be competitive with other employers. This insurance offers health coverage benefits to your employees and you

Commercial Life

Depending on your mortgage and financing you may need to carry a life insurance policy to satisfy your lender. It is also a good idea to have life insurance in case something happens to you and you want to ensure your family isn’t left with a business they don’t know how to run and bills they can’t pay.

Commercial Property

Commercial property insurance can protect the location of the business and its contents/equipment against loss or damage from theft, fire, and/or other perils. It also insures against loss or damage to property of others that are under your control at the time of loss. If you rent or lease a location, then your business may be required by the property owner to carry property insurance by the terms of the lease or contract.

Employee Theft/ Crime coverage

Theft coverage helps protect you against theft or crime caused by outsiders and your employees. It is unfortunate, but employee theft remains a common risk for business owners.

Equipment Breakdown

Equipment breakdown coverage can protect against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. Standard property policies exclude the explosion of steam boilers and equipment breakdown. Equipment breakdown policies help eliminate coverage gaps in standard property policies and can protect an insured against the effects of catastrophic property loss, such as steam boiler explosion or costly breakdown of machinery or equipment. It’s important to keep in mind that equipment breakdown coverage encompasses much more than boilers and pressure vessels. The coverage also includes:

  • Mechanical equipment such as blowers, fans, turbines, compressors, refrigeration equipment and various pumps.
  • Electrical equipment such as transformers, electric motors, cables, switchboards and distribution panels.
  • Boilers, pressure vessels, sterilizers, vulcanizers and cookers.

Garagekeepers

Garagekeepers legal liability coverage is an optional coverage designed for business owners who offer towing services or operate service stations. It can protect a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service. Garagekeepers can provide protection in case a vehicle is damaged by fire, theft, vandalism or collision.

Garage liability

Garage liability Insurance, typically purchased by automobile dealerships and repair shops, can cover property damage and bodily injury resulting from the operations of an auto garage. It typically does not cover accidents and damage to cars that are brought into the shop, as there is a separate insurance contract for such cases, but it does cover vehicles that are owned by the shop. Basically, garage liability insurance provides coverage for the day-to-day operations of a garage.

Hired and non-owned auto

Employers' non-ownership insurance can provide liability protection when an employee occasionally has to drive his or her personally owned vehicle for business purposes. This assumes that the vehicle is not owned, registered or contracted in your name or on your behalf. Hired auto insurance can provide liability protection when you are driving a vehicle that you, or your business, do not own or that is not registered to you. If you rent a vehicle for a less than 30 days, hired auto insurance will help protect the rented vehicle.

Inland Marine (portable tools)

Inland marine coverage can insure items such as tools and equipment that are mobile and may be taken off-site from your place of business.

Umbrella Coverage

Umbrella insurance refers to a liability insurance policy that can protect the assets and future income of the policyholder above and beyond the standard limits on their primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage. .

Workers' Compensation

Workers' compensation can cover medical and rehabilitation costs and lost wages for employees injured at work. Did you know workers' compensation insurance is not required by the state of Texas? However, employees have lifetime medical and loss wage coverage when injured during the course of their employment at your business whether you carry insurance or you pay those costs yourself.