From an insurance perspective, automotive mechanical repair shops have a variety exposures. The first is to the property. The second is liability, most notably injuries your customers could sustain while at your business. The third is workers’ compensation or injuries to your employees. And finally, there are exposures caused by products.
West Bend Mutual Insurance Company shares these suggestions for protecting your property, customers, and employees:
Primary property exposures include gasoline storage, flammable liquids, oily rags, and parts-washing fluid. To try to prevent losses caused by these exposures, here are some suggestions:
The main exposure is unsupervised customers in the shop area. Typical exposures to customers include damage to clothing, as well as slips and falls or other injuries.
Injuries are routinely caused by lifting, burns, carbon monoxide, and oil spills.