Duncan & Stoker
Commercial Insurance Solutions Inc.

This is your first line of defense against claims if someone gets hurt or their property gets damaged because of your business operations. It covers medical bills, legal fees, and settlements so you don't have to pay out of pocket. •Example: A customer trips over a loose air hose in your bay and sprains their ankle, then sues you. General liability handles their medical costs and your lawyer fees. •Example: During a brake job, a part flies off and scratches another customer's car in the lot. This policy covers the repair bill for that damage.

This is tailored for auto shops like yours—it protects customers' vehicles while they're in your care, like during repairs or storage, covering damage from accidents, theft, or other issues. •Example: A tech accidentally backs into a customer's SUV while moving it in the shop. Garagekeepers liability pays to fix the dent. •Example: Someone breaks in and steals a high-end car from your secured lot. This coverage reimburses the customer for their loss.

Think of this as backup for when a big claim exceeds your other policies' limits—it adds extra protection against massive lawsuits. •Example: A faulty repair leads to a customer's accident, and they sue for $1.5 million, blowing past your $1 million general liability cap. The umbrella covers the overflow. •Example: Several customers claim injuries from a contaminated oil batch you used, racking up huge costs. Excess liability kicks in to protect your business from going under.

In today's world, even repair shops handle digital data like customer info and payment details. This covers you if there's a hack or data breach, including recovery costs and legal headaches. •Example: A phishing email tricks your staff into giving up access, and hackers steal customer credit card data. Cyber liability covers notifying everyone affected and any fines. •Example: Ransomware hits your scheduling software, locking you out for days.

This safeguards your business against claims from employees or former employees alleging wrongful employment practices, like discrimination, harassment, wrongful termination, or retaliation. It covers legal defense costs, settlements, and judgments, which is vital if you have a team handling the daily grind in a high-stress shop environment. •Example: A technician claims they were passed over for a promotion due to their gender and sues for discrimination. EPLI covers your attorney fees and any settlement amount. •Example: An employee alleges workplace harassment from a coworker and files a complaint. This policy pays for the investigation, legal defense, and potential damages if the case goes against you.

protects auto repair shops from costs associated with pollution or environmental damage caused by their operations. It covers cleanup, legal fees, and damages from incidents involving hazardous substances like oil, fuel, or chemicals used in repairs. Oil Spill During a Repair: A technician accidentally spills a large amount of motor oil while servicing a vehicle, and the oil seeps into the shop’s drainage system, contaminating a nearby water source. Environmental liability insurance would cover the costs of cleaning up the spill, fines from regulatory agencies, and any third-party claims for environmental damage. • Improper Disposal of Hazardous Waste: The shop disposes of used batteries or antifreeze improperly, leading to soil contamination at a local landfill. Authorities trace the issue back to the shop, requiring remediation. Environmental liability insurance would cover cleanup costs, legal defense, and penalties imposed for the violation.