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A customer's visit may end when you lower the lift, but responsibility for the wheel work can continue on the road. Completed-work liability is separate from protecting the car while it is in your bay.
The Southern Agency can help you compare protection for wheel work, customer property and the equipment your bays depend on.
You sell and fit tires, and may also balance wheels, align vehicles or send technicians to fleet sites. A wheel coming loose after pickup, a car damaged on a lift and a fire in stored tires raise different questions about your work, customer property and stock.
The Southern Agency can review your equipment, service procedures, and mobile-work requirements to help you select appropriate insurance. For example, we can discuss how to distinguish liability for a customer vehicle damaged during an alignment from property damage to your own tire inventory.
Mounting, balancing, fastening or other work may be alleged to cause injury or damage after pickup. Identify the actual tire, vehicle, and work, and separate resulting harm from correcting the job, replacing parts, warranty, or a fleet's delay charge.
A sold tire may be involved in a failure allegation even where someone else installed it. New or used products, sources, identifying information, and any changes matter. An injury claim differs from item replacement, return, withdrawal, or refund costs.
A car can be damaged on a lift, in a bay or during movement or testing. Identify the owner and actual damage terms for detached wheels or tires held separately. Garage liability alone does not establish every customer-property loss.
Fire, theft or another event can affect tires, tools, equipment, and building or tenant interests. Identify stock values and owners, storage, housekeeping, and fire protection. New, used, returned, or customer-owned items may need different valuation or custody treatment.
A balancer, lift or alignment system can stop a bay's work. The failure cause, equipment damage, maintenance, temporary arrangements, and lost income need actual terms; listing a machine does not establish every downtime cost.
Lifting, tools, vehicle movement, loading, and work at customer sites or roadside can involve strains, crush or struck-by injuries. Describe actual tasks, employers, work states, and any driving or outside providers rather than relying on a technician label.
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: a wheel comes loose after service, strikes another vehicle and injures its driver; the shop is accused of improper fastening. Applicable completed-work liability may address a covered injury or property-damage claim and defense if the actual work and facts fit. Correcting the job, the wheel or tire itself, damage to the serviced car and a fleet's delay charges need their actual terms.
Hypothetical: a customer's car slips on a lift during a tire job and its body is damaged. Applicable garagekeepers or other customer-vehicle terms may address a covered physical-damage loss, subject to the car, cause, custody, payment basis, and limits. A garage-liability heading or the shop's building policy does not establish that payment, every faulty-work loss or property held separately.
Hypothetical: a fire damages stored tires, tools and the service area. Applicable commercial property terms may address covered interests, subject to owners, site, values, deductibles, and conditions. Customer vehicles, wheels or tires held for others and lost service income need their own custody, property or interruption terms rather than being inferred from the shop's stock limit.
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
Review actual operations and completed-work liability separately from garagekeepers or other customer-vehicle damage terms. Identify the car, custody, cause, and payment basis. Customer wheels or tires held separately need their own property treatment checked rather than being assumed part of either stock or a complete vehicle.
A product defect and the shop's work can generate different allegations, whether or not the same policy addresses both. Describe actual new or used products, sources, vehicle uses and work. Applicable terms may address covered resulting injury or damage; liability, replacement, warranty, and correction are not automatic from a reported failure.
Identify the owner, why the property is held, its value, and the actual policy definitions. Customer cars, separately held wheels or tires, saleable stock and returned goods may involve different terms. A building stock limit or vehicle-custody heading does not establish every interest.
Review actual owners, stock valuation, causes, site, limits, and deductibles, then compare any interruption terms separately. A covered fire or theft payment does not by itself establish every missed job, customer property or income loss. Outside stock, loads and tools also need their actual scope checked.
Identify the failure cause, equipment, and actual breakdown terms, including upkeep or wear conditions. Check waiting periods, covered income, and temporary-capacity or expense provisions separately from machine repairs. A stopped bay or listed machine does not establish every lost appointment or fleet penalty.
Road vehicle liability and damage differ from offsite work, tires or tools carried, customer property and worker benefits. Describe actual drivers, sites, tasks, and any towing or storage, then compare the relevant forms. Insuring the truck does not establish every mobile-service interest.
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.
