Auto Service Repair

Auto Service Repair

Every vehicle on the road will need professional service at some point, and the inland Carolinas are home to thousands of independent repair shops, quick lubes, and full-service garages. Cornerstone Insurance offers a comprehensive insurance program built specifically for auto service businesses across the Piedmont region and Upstate South Carolina. Our coverage options include general liability, business property, building property or fire liability, inland marine, umbrella insurance, and garage keeper’s liability.

General Liability is the backbone of your shop’s protection. It covers the business when a claim is filed against you, whether a customer slips on a wet bay floor, or a technician forgets to tighten a drain plug and the engine seizes up down the road. If someone decides to sue, this policy responds.

Business Property Coverage takes care of the tools, lifts, diagnostic machines, and office equipment your operation depends on every day. If a covered event like a fire or theft damages or destroys the items you use to run the business, this coverage helps you replace them and get back to work.

If your business owns its building, we can include structural coverage in your policy. A fire, hailstorm along the I-85 corridor, or another covered peril that damages the building gets addressed so you can reopen as fast as possible. For shops that lease their space, we offer fire liability coverage instead, which protects you if your operations cause damage to the landlord’s building.

Inland Marine Coverage lets you schedule high-value items individually, things like hydraulic lifts, alignment racks, and specialty diagnostic equipment. Each piece gets insured at its specific value rather than falling under a blanket limit.

Umbrella Insurance picks up where your general liability policy leaves off. If a claim exceeds your base policy limits, umbrella coverage provides an additional layer of financial protection that can keep a single lawsuit from wrecking your business.

Garage Keeper’s Insurance covers customer vehicles while they are in your care. If a car is damaged during a test drive, a tool falls on a hood, or a fire breaks out overnight in the shop, this policy protects both the vehicle and your business from the fallout.

Running an auto service operation means managing risk on multiple fronts. Contact us to put together a coverage package that fits your shop.

Get Your Insurance Quote Today!