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Top 5 Insurance Coverages Every Auto Repair Shop Needs in Winston-Salem & Clemmons

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Running an auto repair shop or body shop in the Triad means long hours, loyal customers, and plenty of moving parts — literally. With all the tools, lifts, employees, and vehicles moving in and out, the right insurance coverage isn’t just a requirement, it’s protection for the business you’ve worked hard to build.


At Good Life Insurance NC, we specialize in helping local garage owners and auto businesses get the lowest rates possible by shopping multiple carriers. Here are the five coverages every shop should have:


  1. Garage Liability Insurance

This is the foundation of coverage for auto repair shops. It protects your business if a customer gets hurt on your property (like slipping in the shop) or if their vehicle is damaged while in your care.


  1. Garage Keepers Insurance


Ever have a customer’s car parked overnight or during a repair? Garage Keepers protects those vehicles against theft, fire, vandalism, or damage while they’re in your possession.


  1. Workers Compensation


If you have employees, NC law requires workers comp. It covers medical costs and lost wages if one of your techs gets injured while on the job. It’s not just compliance — it’s peace of mind.


  1. Commercial Property Insurance


Your lifts, tools, diagnostic equipment, and building itself represent a huge investment. Property insurance covers them against fire, theft, and other risks. Without it, one incident could set your business back years.


  1. Surety Bonds


If you’re a dealer, DMV licensing requires certain bonds. Even repair shops sometimes need bonds to meet state/local requirements. Having them in place keeps your business running smoothly.



✅ Why Choose Good Life Insurance NC?


We’re a local, independent agency right here in Clemmons. That means:

  • We shop multiple carriers to get you the best rate.

  • We understand the unique needs of auto shops and dealerships in the Triad.

  • We offer bilingual service (English & Spanish) so you and your employees can always feel comfortable.




📞 Ready for a Free Quote?


Let’s keep your shop protected and your costs down.


👉 Call us today at 336-546-7956 or request a free quote online.

Good Life Insurance NC – Because every business deserves a good life.

 
 
 
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