Mechanic Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Mechanic insurance is a specialized kind of commercial insurance that’s intended to meet the unique insurance needs of mechanics and their businesses. In order to provide protection against multiple risks, most policies combine several individual coverage’s together into a package policy.

General auto repair shops
Specialized auto repair shops
Mobile auto service businesses

General Liability Coverage
Garage Keepers Liability Coverage
Commercial Property Coverage

What is Mechanic Insurance?

The work mechanics do leaves them and their businesses exposed to a range of potential risks, and it’s generally important to protect against these risks when possible. Mechanic insurance shields mechanics in Massachusetts from many of the risks they face.

What Massachusetts Businesses Need Auto Mechanic Insurance?

Most people and businesses that provide mechanic services in Massachusetts can benefit from the protections that auto mechanic insurance affords. This may include a variety of businesses, such as:

General auto repair shops
Specialized auto repair shops
Mobile auto service businesses
Quick oil change businesses

In addition to these, other businesses might also find this form of insurance helpful. An insurance agent who specializes in auto mechanic policies can help specific businesses determine whether this is the right commercial insurance for them.

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

Do Car Dealerships Need an Auto Mechanic Policy?

While car dealerships that have service centers often need many of the protections that auto mechanic policies provide, their coverage needs often extend beyond those of a typical mechanic shop. In many cases, car dealerships are better protected by purchasing a slightly different insurance policy that can better protect against the additional risks they face.

Do People Who Repair Family and Friends’ Vehicles Need Auto Mechanic Insurance?

People who repair their family and friends’ vehicles without receiving compensation for the work done usually don’t need to carry an auto mechanic policy. Anyone who does mechanic work in exchange for monetary or other compensation, however, probably should have a policy in place. Homeowners and other personal insurance policies typically don’t cover this type of risk when money exchanges hands.

What Coverages Does Auto Mechanic Insurance Offer?

Depending on a policy’s terms and conditions, auto mechanic insurance might offer a variety of possible protections. Some of the more common ones are:

General Liability Coverage, which may protect against accidents that result in a third-party injury or property damage
Garage Keepers Liability Coverage, which may protect customers’ vehicles while they’re at a mechanic’s garage
Commercial Property Coverage, which may protect a mechanic’s garage itself and items kept inside the building
Crime Coverage, which may protect against crimes by both employees and burglars
Commercial Auto Coverage, which may protect company-owned tow trucks, loaner cars and other vehicles
Business Interruption Coverage, which may protect against losses in revenue that follow certain covered disasters

Businesses also frequently need workers compensation coverage, which usually helps pay for lost wages and medical bills associated with work-related illnesses and injuries. Workers compensation may be purchased within an auto mechanic policy or separately from the package policy.

How Expensive is an Auto Mechanic Policy?

Auto Mechanic policies tend to be affordable, although there are many factors that can influence how much any specific mechanic or shop pays for coverage. Some of the items that can influence cost are:

Where a mechanic shop is located
What sort of work a shop performs
How many cars a shop services
How many claims a shop has previously filed
What coverages, endorsements and limits a shop chooses

How Can Mechanics in Massachusetts Get Mechanic Insurance?

For help insuring an auto service business in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have the professionals necessary to help you find a mechanic insurance policy that meets your particular needs, and they can show you the best available policy options since they’re independent of any one insurance company.

Proud Partner of

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.