Insurance for Tire Industry Specialists in Plainview, NY

Liability insurance—Depending on the nature of your business, you may secure commercial general liability insurance with garage liability insurance added on. Both may cover third-party property damage or bodily injury, but garage liability insurance may provide your company with an additional layer of coverage.

Products liability insurance—This can provide coverage if one of your products (e.g., tire) causes property damage or bodily injury to third parties. It may be included in your general liability policy, or it may be a standalone policy or endorsement. 

Garagekeepers liability insurance—For businesses responsible for clients’ autos (e.g., during a repair), this insurance may provide payments if the vehicles are damaged while they are in your care, custody or control.

Property insurance—This can protect your business’s property (e.g., your building, its furnishings and your inventory) from covered hazards, including fires and theft. It may provide repair or replacement costs for those losses. Coverage may also be available for specialized tools and equipment and for lost income if your business has to temporarily close due to property damage or due to equipment breakdown.

Workers’ compensation insurance—This coverage may be mandated by state law. It pays for employees’ lost wages or medical bills if they are injured or become ill due to work-related accidents.

Commercial auto insurance—If your business owns vehicles, this may provide coverage if they are damaged or are in an accident. If your business rents or leases vehicles or if your employees use personal vehicles for business activities, hired/non-owned auto insurance (HNOA) may be available. HNOA may provide liability coverage if your business’s drivers are at-fault in an accident while using hired/non-owned vehicles for work purposes.