We offer coverage for vehicles in a lot of different situations: the car you drive to work every day (well, before COVID-19, that is), the company car that you take to appointments, and the truck with your business logo on the side that makes deliveries or carries supplies for a repair job. Our Choice Auto Repair Service (CARS) coverage is for auto repair shops, the ones drivers turn to when they need to get moving again.

On our information page for CARS coverage , we highlight seven features of CARS that are useful to many auto shop owners like:

• Motor Vehicle Damage to Leased Property offers up to $5,000 if there’s an accident to a building or other property. That could be something like a truck getting loose and hitting a building wall.
• Business Income and Extra Expense helps cover the actual loss you sustain in an incident that damages your property and/or equipment.
• Employee Tools coverage applies on the worksite for up to $10,000 with a limit of $1,000 for any single employee.
• We also offer coverage for accounts receivable, lost income, and other things related to your business.

Auto repair is big business throughout the U.S., estimated at $880 million a year . Cars are “living” longer than ever before , an average of 11 to 12 years or 200,000 miles. There’s a place for auto repair shops now and in the future.

Accidents happen, and a Hastings Mutual CARS policy is what you need to make sure you’re protected if something goes wrong at your shop. In addition to that leased property damage coverage, we also offer up to a limit of $10,000 for tools used in your work and a limit of $50,000 in property rented to you.

You know you need coverage, and that it will be helpful for your business as you continue to be successful for years to come. The last question is: why come to Hastings Mutual for your CARS insurance? It’s because we understand your business and your customers.

Drivers in our coverage area come to an auto shop for all kinds of reasons — harsh wintertime weather, punishing road surface quality, and much more. The coverage we offer is designed for our part of the country, and the people who live and work here. In short, we know you, and what you need.