Insurance for Smog Shops

Insurance for Smog Shops

Smog Shops, like all businesses, have Insurance needs that are unique to their operations. There are several options and programs available for Smog Shops, which can make it tough to determining which coverages you need. This blog will go over some of the most important coverages you need for your Smog Shop.

Insurance for Smog Shops – Business Owners Policy

Business Owners Policies are a great option for Smog Shops. These policies combine General Liability and Business Personal Property into a single policy with a single policy number. This makes it not only convenience, but it can make it more affordable to obtain these important coverages. In addition to covering your basic Business Personal Property, you can schedule your expensive diagnostic equipment on to the policy. Scheduling this equipment is a great way of protecting your business and it is often very affordable, especially when endorsing it onto an existing Business Owners Policy.

Insurance for Smog Shops – Program Classifications

Smog Shops can vary significantly is size, location, and/or scope of operations. With that said, Insurance program pricing and eligibility can differ depending on these factors. For example, if you operate a Smog Shop that also offers auto repair/service work, you may not be able to get a quote approved with the same company that would otherwise offer a great quote to a Smog Shop with no auto repair/service operations. Communicating the correct business classification is also important in case of a claim. This is because Insurance Carriers may deny claims or surcharge you if you have are incorrectly classified.

Insurance for Smog Shops – Other Important Coverages

There are additional important coverages to consider, depending on your operations. If you have employees, you should carry Workers Comp to protect them in case they are get injured or ill. For businesses that rely heavily on their Business Property, they should consider purchasing Business Income coverage, which will pay you for lost income in case of a covered property claim. In addition, if you offer any type of mobile services or shuttle services, you should carry some form of Business/Commercial Auto.

If you would like to learn more about obtaining the right Insurance for your Smog Shop, give us a call! You can reach us at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.