Massachusetts and Rhode Island Garage Insurance
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Running a garage business in Massachusetts or Rhode Island means you probably don’t have enough time to think about insurance. Whether you have a reputation for working on domestic or foreign cars, or you work your magic with body repairs, mufflers, exhausts, transmissions, or windshields, we’ve got you covered.
If you run a a garage or auto service business of any kind in MA or RI, you know that a lot can go wrong with cars. Garage insurance from Lapointe Insurance will reduce the risks you face in the auto repair business, so you can focus on providing the best possible service to your clients and their autos.
Drivers in Rhode Island and Massachusetts depend on you to provide a quality repair service and get them back on the road fast. If your business has to stop for an unexpected accident, can your insurance help put you back in the drivers seat just as fast?
There are plenty of risks that threaten your operation each day, and Lapointe Insurance provides complete, affordable garage and automotive repair shop insurance to help settle damages or pay for repairs that would otherwise threaten your business.
We always recommend that you look into getting MA or RI Garagekeepers Legal Liability insurance. This unique coverage protects your business in case a customers vehicle is damaged by theft, fire, collision, or vandalism. Garagekeepers Legal Liability, or GKLL, is an optional coverage to help business owners who offer towing services, or perform repairs on vehicles. It provides coverage for a customer’s vehicle when it is in your company’s posession.
Massachusetts and Rhode Island Garage businesses carry some unique risks, and we know each company is different. To make sure you get the right policy for the best possible price, we take the time to listen to your business’ story, learn about your people, and see where your operation’s greatest risks are. We then help design a program that best fits your needs. With over a dozen companies to choose from, we can assure you that we have the right solution.
The coverages we recommend you consider are:
- Garage liability insurance: To cover damages that arise from operating an automobile in the course of garage operations. This option is an enhancement to commercial property liability coverage. A staple of the auto service industry, this coverage is necessary to ensure that your shop is fully covered.
- Garage keepers coverage: This will protect you in the event a customer’s auto is damaged during the course of garage operations. This is an essential option for any auto service business.
- Commercial auto insurance: To pay for any incidents resulting from an employee’s accident while driving a company vehicle, or their own while on company time.
- Equipment breakdown coverage: This will help protect you against equipment failures due to power surge, mechanical breakdown, burnout or operator errors. You may also know this coverage as “boilers and machinery” insurance.
- Employee practices liability insurance: To protect against claims of discrimination, wrongful termination, or harassment by employees of your garage or auto repair shop.
- Sewer or drain coverage: To help clean up if you have a sewer or drainage backup in your garage due to rain or a water main break.
- Workers Compensation: Make sure your employees are protected with workers compensation. This can replace lost wages, pay for medical treatment, and protect your business in the long run.
We want you to be able to focus on growing your MA or RI garage business, and delivering a great service to your clients. You shouldn’t have to worry about the unexpected. Give us a call, fill out the form on this page, or stop by one of our three convenient locations to get the coverage you need.
a company that truly cares about their customers
My realtor told me about Lapointe Insurance and I got a great price!
Can’t say enough about how helpful and professional John was
Elizabeth Maxim was the best
I saved money and she really shopped
Knowledgeable, helpful & caring
Linda Pratt has been wonderful.
truly one of the best in their industry
Well now I know insurance ins outs ups downs, and will be with them till the end, All members of the Lapointe team in front and behind the scenes are leaders in their fields, never disappoints.
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Super easy to work with
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Ask for John.
Best decision I ever made!
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They truly make you feel like family
John Lapointe is an honest, smart, and hard working insurance agent
I’d like to thank Sally Figueiredo
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Great place with friendly people.
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Excellent communication with quick transparent responses
It was a pleasure to work with John
didn’t matter if I was 5 miles away or 567 miles away
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saved me A hell of a lot more than 15% for 15 minutes
I think she deserves a raise!
All aspects of our experience has been 1st Class
All aspects of our experience has been 1st Class. Thanks for all your help and consideration
Very helpfully staff.
I have always received excellent service.
She went up and beyond to provide excellent customer service
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Linda Pratt is great to work with always
amazing customer service, attention to detail, fast & reliable service
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I am so glad we decided to call Lapointe!
kindness, professionalism, availability and willingness to go the extra mile
Julie is always very polite and helpful
My realtor recommended Lapointe
exceptional insurance agent
Everyone there is always so helpful
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best rates for Homeowner and Auto Insurance
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I highly recommend this agency.
timely transfer from AMICA insurance
WOW! Thank you Isabel Carreiro!
The act of going above and beyond in order to accommodate a new client is the hallmark of The Lapointe Insurance Agency!!!
fabulous from start to finish with me and my wife’s flood & homeowners insurance policy
John was great to work with