Tenant improvement coverage covers permanently attached property on the rented premises that were installed or purchased by the insured. Under auto repair insurance, we recommend a tenant improvements limit that is based on the value of the improvements.

Business property coverage, also known as contents coverage, covers loose property on the insured premises. For car repair insurance, we recommend a contents limit that is based on the value of this property.

Off-Premises property coverage covers property away from the insured premises. Under an auto repair insurance policy, we recommend an off-premises limit that is based on the value of the property that could be taken off the insured premises.

Business income coverage replaces lost income if a covered loss renders the shop uninhabitable. Additional coverage is available for power outages. Under auto repair insurance, we recommend a business income limit that is based on the income that could be lost over the period of time that could be required to repair the shop.

Garage liability primarily protects your company financially if held responsible for trip and slip-type injuries. For auto repair shop insurance, a garage liability limit of at least $1,000,000 is recommended.

Product liability coverage covers injuries or property damage caused by products sold. Under car repair insurance, a product liability limit of at least $1,000,000 is recommended.

Completed operations coverage covers injuries or property damage caused by your completed work. If work that you completed is damaged, it is not covered. For auto repair insurance, a completed operations limit of at least $1,000,000 is recommended.

Employee benefits coverage covers mismanagement of benefits. This would provide coverage if, for example, an employee holds the company responsible for a major medical expense they expected to be covered under the company health insurance plan. An employee benefits limit of at least $1,000,000 is recommended under auto repair shop insurance.

Employment Practices liability coverage covers claims of discrimination, wrongful discipline/termination, harassment, breach of (implied) contract, failure to employ or promote, deprivation of opportunity, and infliction of emotional stress made by employees. Third-party coverage is available to cover claims of discrimination and harassment made by customers, vendors, etc. Keep in mind that even if there is no basis for a claim, defending these claims can be expensive, and EPLI coverage will pay defense costs.

Washington is one of a few states where workers compensation insurance is provided by the state. Although this covers employees when they are injured on the job, unlike coverage provided by private insurers, it does not offer coverage if employees hold your company responsible. This could happen if the employee is not satisfied with the coverage provided by the state. Employer liability coverage, also known as stop gap coverage, fills this coverage gap. An employer liability limit of at least $1,000,000 is recommended under car repair insurance.