Top things to cover
What repairs are completed. Full description of operations and services provided
Special hazards coverage such as welding, body work, flammables and underground tanks
Housekeeping and upkeep
Storage area and security of cars kept overnight
Commercial auto exposure. Is there customer shuttle, tow trucks, etc.
Photos
Interior of shop
Storage lot and parking lot
Photo of each special hazards
Photo of vehicles
Inspection Prep
Online search for website to show advertised vs. actual services provided
Here is a checklist for doing an insurance property inspection on an auto repair shop, including special hazards:
Property information: Collect information about the auto repair shop, including the address, the size of the shop, and the type of equipment and vehicles serviced.
Access: Determine the accessibility of the shop, including the type and condition of the entryways, walkways, and parking areas.
Building structure: Inspect the condition of the building structure, including the foundation, roof, walls, and windows, looking for signs of damage, wear, or deterioration.
Mechanical systems: Check the condition and functionality of the shop's mechanical systems, including heating and cooling systems, plumbing, and electrical systems.
Fire safety: Check for smoke detectors and fire extinguishers on each floor, as well as the availability of fire hydrants and access for emergency vehicles. Auto repair shops also pose additional fire risks due to welding, oil changes, and other flammable chemicals.
Hazardous materials: Assess the storage and handling of hazardous materials such as oil, antifreeze, and other fluids, ensuring that they are properly labeled and stored in designated areas.
Electrical safety: Check the condition of electrical equipment, looking for damaged cords or other hazards, and verify that electrical outlets and switches are properly rated for the equipment they serve.
Ventilation: Inspect the ventilation systems to ensure proper air flow, and verify that there are adequate exhaust systems to remove fumes from welding and other operations.
Equipment safety: Check the condition of shop equipment, such as lifts, jacks, and other tools, looking for damage or wear that could pose a safety risk to workers or customers.
Compliance: Verify that the shop complies with all applicable local, state, and federal regulations and codes, including zoning, building, and safety codes, as well as environmental regulations for the storage and disposal of hazardous materials.
Workers' compensation: Verify that the shop has adequate workers' compensation coverage and is following all relevant safety protocols to reduce the risk of injuries to workers.
Liability risks: Identify any potential liability risks, such as uneven pavement, loose steps, or other hazards that could pose a risk to customers or visitors.
Once the inspection is complete, compile a report detailing your findings and any recommendations for improvements or repairs to help mitigate risks and ensure that the auto repair shop is adequately protected by insurance.