Need insurance for your auto service business?

Flammable materials (i.e. oil, solvents, degreasers, etc.) create a fire risk, so they have to be stored appropriately. Welding can also present a fire risk. Since auto parts can be targets for theft, it’s important to have good security, including lights, an alarm, and barriers.

Environmental impairment exposure can be high because you have to dispose of oil, degreaser, batteries, and so on. It’s important to follow proper protocol for disposing of these things and to have a contract to dispose of these environmentally hazardous materials.

Auto exposure can come from company-owned vehicles used to run errands. (Check driver’s licenses and MVRs for all employees who will be driving.) These vehicles must be maintained. You also may have tow trucks. Renting vehicles to customers can also present auto exposure.

Some of the customers’ cars could be damaged while in your care, custody, and control. Don’t allow access to the vehicles. Keep the keys in a lockbox and have procedures to prevent giving the keys to the wrong person. Have plenty of security, including lighting, chains, and fences.

Having the proper safety equipment for your employees is key. Risks come from equipment malfunctions (i.e. vehicle hoists), slips and falls, strains, hernias, sprains, back injuries, and even the chemicals used. Employees have to be properly trained.