Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Complete Quick Quote Form in about 2 minutes
• An experienced insurance agent will call you for phone quote
• Accept quote and coverage confirmation may be emailed in minutes.

These stores sell new auto parts and accessories to customers such as belts, batteries, hoses and mats. They may also install auto parts, engage in minor auto repair, provide facilities for customers to repair their own vehicles or rent out tools and equipment. Some auto parts stores have machinery operations where workers rebuild, repair or custom-build parts.

General Liability Insurance for Auto Parts & Supplies Stores – Traffic areas both inside and outside of auto parts and supplies stores should all be clear and free of debris. Floors and sidewalks should be in good condition to decrease potential for slip and fall. Exits need to be well marked inside the building. If the auto parts store rents out any equipment, controls need to be in place to ensure the equipment works properly at all times. Supply rooms and work areas should be separated from retail space by signs indicating “Employees Only”. Products liability risks are a concern at auto parts and supplies stores and employees should be trained to recommend products based on the manufacturer’s instructions. Completed operations exposure exists if vehicles are serviced by the store.

Workers’ Compensation for Auto Parts & Supplies Stores – Employee injury can result at auto parts and supplies stores from heavy lifting and while making repairs. Employees should be trained to properly lift heavy items, to properly use the tools and equipment necessary for making repairs, and to use ladders and step stools when handling stock. Injuries may include back injury, eye injury, cuts, etc.

Business Auto Insurance for Auto Parts & Supplies Stores – The risk of automobile accidents is increased if the store hires delivery drivers. Such drivers must have a commercial license and routine verification of their driving records. Employees who run errands for the store must also have a valid drivers license and an acceptable driving record. Youthful drivers under 25 years of age will increase business auto liability for auto parts and supplies stores.

Property Insurance for Auto Parts & Supplies Stores – Fire can result during repairs by using flammable products such as oils, degreasers, and aerosols. These products must be stored properly and used with caution. The construction type of the building will also impact the severity potential of fire. Buildings that are constructed from fire restive and masonry non-combustible materials will have a lower fire risk. In auto parts and supplies stores, security measures such as alarms should be in place to help prevent theft.

Crime Insurance for Auto Parts & Supplies Stores – The primary risks of crime for auto parts and supplies stores include money and securities stolen by outsiders and employee theft of money or merchandise. Burglary risk of money and securities can be reduced by the use of double cylinder deadbolt locks, adequate outside lighting, and a central station alarm system. Separation of duties will help reduce the risk of dishonest employees.