Auto Service & Repair Insurance

Cox Insurance Services is a leader in servicing the Automotive Industry.

From the loss of valuable tools and equipment, to property damage caused by defective equipment or employee error, our Auto Service and Repair insurance can help protect you from the risks you face as a business owner.

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Your Auto Service Business Insurance Options Explained

While your day-to-day operations are complex, understanding business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.

A Cox Insurance Services package policycan provide coverage for:

Employment Practices Liability

Covers your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.

Property Insurance

Funds repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.

Liability Insurance

Protects against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Business Crime Insurance

Protects against fraud, theft, forgery or robbery.

Business Income Coverage

Also known as Business Interruption Insurance, allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.

Cyber Liability and Data Breach

Provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.

Tailor your coverage with these additional insurance endorsements, coverages and policies:


Shields your business from potentially ruinous lawsuits with additional liability coverage.

Workers’ Compensation Insurance

Satisfies your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.

Business Auto Insurance

Gets you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Equipment Breakdown

Pays for direct damage and resulting loss of income caused by or resulting from covered equipment breakdown.

Ordinance or Law

Covers the cost to demolish and remove debris of undamaged parts of the building and the increased cost to repair, reconstruct or remodel damaged or undamaged parts of the building to comply with a building ordinance or law.

Garagekeepers Liability

Provides coverage for physical damage to customer’s vehicles while in your care, custody or control.

Hired and/or Non-owned Auto

Pays for Bodily Injury or Property Damage arising out of the maintenance or use of a hired automobile in the course of business by you or an employee, or the use of a non-owned automobile in the business by any person other than the insured.

Broad Form Products

Removes the Defective Products Exclusion.

Personal and Advertising Injury

Pays for liability associated with personal and advertising injuries from covered offenses such as false arrest, malicious prosecution, wrongful eviction, violation of a person’s right of privacy, slander & libel and misappropriation of advertising ideas.

Utility Services — Time Element

Pays for loss of Business Income and Extra Expense caused by an interruption of covered utility services to the described premises that result from direct physical loss or damage by a Covered Cause of Loss to specified types of property away from the described premises.

It’s important to remember your organization has specific needs which may change over time

As an Auto Service and Repair business owner, you will encounter challenges that require coverage to help you keep your business intact should an unexpected loss happen. Contact us for a customized insurance quote for your individual business needs. Because the more you know, the better you can plan for what’s ahead.

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