Vehicle repair shop SMEs insurance

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What makes our insurance for workshops different

We have designed Vehicle repair shop SMEs insurance, to cover potentially difficult situations that may affect this type of business. In addition to basic protection, complementary guarantees may be added to the policy to strengthen the protection provided for your workshop.

Tailor-made for your workshop

Set up your policy with the guarantees that you need for your workshop. With Occident, nothing can interrupt your activity.

With or without excess

Most of the coverage of our SME workshop insurance can be contracted without excess, so you avoid unpleasant surprises.

We take care of everything

The insured capital is revalued automatically, without you needing to worry about it. Your insurance is always up to date and ready to provide full assistance.

What vehicle repair shop SMEs insurance covers

We protect your workshop in the event of fire, explosions, and lightning.

Adverse weather events.

Due to vandalism, inclement weather, overflows, smoke, vehicle impact, leaks in automatic fire extinguishing installations, etc.

Leaks, broken pipes, etc. and water civil liability.

This applies both to the electrical installation of the premises that forms part of the building and to damage to machinery, computers and electrical and/or electronic equipment.

Material damage to the inside of the garage, and repair costs.

Theft from the premises.
Damage to the building.
The cost of replacing locks in the event of theft, armed robbery, pilferage or loss of keys.
Theft and armed robbery of contents.
Theft of cash stored outside a safe.
Armed robbery of cash inside the workshop.
Cash during transport of funds.

Of mirrors and glass, signs, sanitary fittings and worktops.

Daily compensation.

Up to 12 months.

Operating civil liability.
Civil liability for testers.
Civil liability for work done.
Extension for damage caused by poorly executed repairs.
Employers' civil liability.

We protect the rights of your workshop.

Services included in our insurance for workshops

360º service for your business

The best professionals available for any unforeseen event on your premises.

24 hours a day, 365 days a year.
Emergency locksmith and electrician.
Includes security staff.

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Your IT equipment always ready and working

Do you need technological assistance? Whether you have a mobile phone, tablet or computer, our technicians will take care of it for you.

Remotely or at your home, if necessary.
24 hours a day, no waiting.
1 free annual maintenance check.

Go to Online computer assistance

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FAQs

This is all the goods located inside the installations in which the insured activity takes place. They are specific to the activity and the insured person has ownership or another insurable interest in them.

The following comprise the contents:

Furniture.
Machinery and non-fixed installations.
Goods, moulds, patterns and dies.

Vehicles belonging to the company or to third parties can be included when they are inside the insured premises.

Civil liability for SMEs covers your liability for personal and material damages against third parties during the course of your professional activity.

These are losses and reduced profits that occur when the business activity has to be halted due to a covered incident.

It is the building or premises where the insured person carries out his/her activity. It includes the following items:

Structural elements and building: ceilings, windows, blinds, annexes, courtyards, garages, foundations, structures, walls, partitions, floors, roofs, etc.
Gardens.
All types of fitting: illuminated advertisements and signs, marble, granite, false ceilings, fitted carpets, paint, mirrors, etc.
Outdoor elements: walls and fences surrounding the site, retaining walls, infrastructure works, outside paving, fences, railings or similar, lamps, pavements, roads and tracks for private use by the insured establishment.
Sports facilities.
Fixed installations for water, gas, electricity, air-conditioning, sanitary systems and solar power.
Ventilation systems, lifts, service lifts, lightning conductors and overhead travelling cranes.

FAQs

Vehicle repair shop SMEs insurance

What makes our insurance for workshops different

Tailor-made for your workshop

With or without excess

We take care of everything

What vehicle repair shop SMEs insurance covers

Fire and complementary

Weather-related damage

Other physical damage

Water damage

Electrical damage

Breakdown of office equipment

Theft, armed robbery and pilferage

Breakages

Daily overheads

Overheads or gross profit

Civil liability

Claims and legal defence

Services included in our insurance for workshops

Assistance

Online computer assistance

Iberinform

360º service for your business

Your IT equipment always ready and working

Grow your business with our advanced analytics solution

FAQs

What is classed as contents in a garage?

Why do I need to take out civil liability cover?

What are the consequential losses due to stoppage?

What is the building in the Vehicle repair shop SMEs policy?

Consult documentation

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