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retail auto part store business insurance tips

An auto parts store sells virtually anything someone would need to repair their car and do routine maintenance. This includes all different types of parts, hoses, mats, car batteries, belts, miscellaneous parts and accessories. For your auto parts store, the most common risks are that of customer injury, damage from products you sell and general business risks such as damage to your property. Cover these risks with auto parts store insurance.

What are the different types of Auto Part Retail Insurance that I may need?

  • General Liability 

  • Worker's Compensation

  • Business Property Liability

  • Product Liability

  • Commercial Auto Insurance

  • Umbrella and Excess Liability

  • Crime Insurance

  • Cyber Liability

How much does Auto Part Retail Liability Insurance cost?

There are many different factors that can affect your cost for auto part retail liability insurance, including your:
 

  • Location, because some states have minimum coverage requirements that can increase your insurance cost.

  • History, especially if you’ve faced many claims and lawsuits in the past.

  • Agency size, because the more employees you have, the more it can cost for coverage.

  • Policy terms, like choosing a higher coverage amount, deductible or earlier retroactive date.

  • Clients and contracts, because the more clients your company has, the more likely it is one of them may sue you.

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