Tire shop insurance designed to protect your business
NEXT’s tire shop business insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged vehicles. Our packages typically include:
- General liability
- Professional liability
- Garagekeepers liability
- Workers’ compensation
Bundle two or more of our policies and save up to 10%
You can pay for your tire repair shop insurance monthly or annually and you can cancel at any time.
Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
We’ll help you get the tire shop coverage you need
It’s all about managing your risk. See the different policies available for tire shops.
General Liability
Bought by most store owners
General liability is often the first type of insurance for tire repair shops that owners buy. General liability is intended to provide coverage for accidental injury or damage to other people or their property.
For example, if a customer slips on some spilled coffee in the waiting area and breaks their ankle, your insurance could help pay for emergency treatment and medical costs.
Note that this is an example and may not reflect the terms of your specific policy. It’s always a good idea to refer to the coverage details in your own policy.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Workers’ Compensation
For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. Depending on your state, it might be required if you have a certain number of employees. You can add business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Garagekeepers Liability
Included with general liability in Pro and Pro Plus
Garagekeepers can help to cover expenses if you damage a customer’s vehicle. If you accidentally scratch a customer’s car, garagekeepers insurance could help cover expenses to repair the vehicle.
garagekeeper liability can help you pay for:
Dents
scratches and dings
Vandalism
Fire or extreme weather
How much does tire store insurance cost?
You could save money if you buy tire shop insurance with NEXT. The exact amount you pay will depend on:
- Where your business is located
- The amount and value of equipment at your shop
- If you have any shop certifications
- If you bundle more than one type of coverage
Suggestions for tire shop insurance
It can be a good idea for tire shops to have insurance due to the risk of injury and property damage. You might want to get insurance in order to:
- Lease or purchase a bay or shop. Property owners and banks may require proof of general liability insurance before you can open a shop.
- Protect your customers’ vehicles. Garagekeepers insurance can help if a customer’s vehicle is damaged while under your care.
- Defend your business. Insurance can help defend you if you are sued.
Frequently asked questions about business insurance
Here are some of the most common questions we get about new or used tire shop insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect tire shop owners?
Our tire shop liability insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. It can help protect you from financial losses related to:
Customer injuries
A customer slips on spilled water in the waiting room and sustains a concussion. General liability can help with medical expenses if someone other than an employee gets hurt.**Damage to vehicles at your shop
An employee backs a customer’s car out of the bay and into a post in the parking lot. Our optional garagekeepers coverage (which can be included with general liability) can help pay for repairs to the customer’s car.Workplace injuries
An employee’s hand gets caught between a tire and a demounting tool, causing his thumb to be amputated. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
