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Motorcycle Repair Shop Insurance

General Liability
Garage Keepers Liability
Commercial Auto
Workers Compensation

Motorcycle repair is a very specialized business. However, as the owner of a motorcycle repair shop, you have liabilities as do all other types of business owners which are to protect your customers and business against losses. To protect the shop and yourself, you must purchase some type of small business insurance. This will cover your expenses in the case of several different scenarios. For instance, if someone is hurt in your shop, you are liable for their medical care and your insurance will help you to pay for it.

General Liability Insurance

The basic coverage that you get for your business is general liability insurance. This portion of your commercial business insurance covers you for some of the more general occurrences. These are things that could happen to just about any business, such as third part injuries, damaged personal property, faulty products that cause harm, premises damage due to natural disasters, and theft or vandalism. Exactly what is covered is dependent upon your insurance company and your policy, but general liability typically includes the following:

bike repair shop insurance
motorcycle shop garage keepers liability insurance
General Liability Includes:

Garage Keepers Liability

Because a motorcycle repair shop has specific needs not common to other businesses, you will need an additional garage keepers liability policy. This portion of your business insurance provides protection for damage caused to a customer's bike. There are many ways in which a motorcycle could be accidentally damaged in your shop, so this coverage is essential.

Business Owners

As a business owner, you may want to conveniently package your commercial insurance needs into one policy. This is called a business owners policy, or BOP, and includes general liability as well as any coverage that is specific to your needs. For instance, you may want to add coverage for additional buildings that you own, coverage for electronic data, valuable papers, employee dishonesty coverage, or interruption of business coverage. There are many options and your insurance company can help you select the appropriate coverage for your business.

Workers Comp

With employees working in your repair shop, you will need your commercial business insurance to include workers compensation. It is required in most states and covers the costs associated with an employee who is injured or becomes ill on the job. If, for instance, an employee is injured while making a repair, this will cover their medical expenses and lost income during the recuperation period.

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General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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