If you are in the business of keeping America’s bloodline pumping, then your business needs a special set of coverages unique to the heavy truck repair industry.


Big rig repair doesn’t have to mean big insurance expenses. It Is important to use an agency that has a deep understanding of the heavy truck repair industry and multiple options for protecting your business. We can’t count the number of times we’ve heard “I’ve been with this carrier for many years and the rates keep going up and up”. This is because most agencies only have one option for heavy truck repair, or they are insured directly with a single carrier. Being an agency that specializes in the automotive aftermarket allows us to leverage our relationship with carriers to get access to multiple different programs that cover heavy truck repair. Heavy truck shops have many of the same coverages as a general repair shop with a few unique differences that can be detrimental to a business if not insured properly.


Garage liability includes auto liability & premises liability. Garage liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. Garage liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection. Auto liability covers furnished employees while picking up and delivering customer trucks, and test driving customer trucks pre and post-repair.


Roadside and on-site fleet maintenance repairs can be crucial in contributing to a shop’s bottom line, but some insurance carriers exclude coverage if work is performed anywhere off the scheduled premises. Another common exclusion we see is one that excludes coverage for any work performed on a vehicle that has over a 20,000-pound GVW. We know that these types of exclusions are ridiculous and that shops frequently make repairs offsite and on vehicles that are over 20,000 pounds. That is why we ensure all the carriers we quote with do not have any exclusions that will handicap your shop’s normal course of business.


Tools and trucks are getting more and more expensive, so it is important to protect both of those assets correctly. All your shop’s tools and equipment are covered under a business personal property limit. We don’t expect anyone to keep a receipt for every piece of equipment or tool they buy. Our trained agents can walk your shop and provide an accurate valuation of what your business personal property limit should be. This is only possible from the experience of walking 500+ shops and evaluating their needs. Garage keepers’ coverage is what protects your customer’s vehicles while they are in your care, custody, and control. Whether you are working on over-the-road semis, RVs, dump trucks, or any other commercial heavy truck that stops by we can cover them correctly and give you peace of mind.


We know that heavy truck guys are brand loyal. Whether it’s Peterbilt, Kenworth, International, or Mack you all have the same love for the industry. It doesn’t pay to be brand loyal to an insurance carrier though, let us shop the market to find you the best deal and coverage available so your business can be protected and keep on truckin’ for generations to come.