Small Engine Repair Insurance
Coverage for small engine repair shops servicing mowers, generators, and outdoor power equipment.
What this coverage is intended to address
- ✓Third-party bodily injury that may arise on your premises or while handling a customer's equipment
- ✓Damage to a customer's equipment or property that may occur during diagnosis, repair, or testing
- ✓Shop tools, diagnostic gear, and parts inventory scheduled on the policy against covered losses
- ✓Allegations tied to completed repairs, such as a claim that serviced equipment later malfunctioned
Coverage products commonly considered
Most small engine repair operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A repaired generator is alleged to have malfunctioned shortly after pickup and damaged a customer's property, prompting a claim — the policy may help respond to an allegation of this kind, subject to its terms.
- A customer slips on spilled fuel in the shop and alleges injury. The general liability policy is generally intended to respond to a premises-related claim of this type, in the event of a covered claim.
Frequently asked questions
Does small engine repair insurance address my shop and inventory?
Tools, equipment, and parts stock can often be scheduled so they may be addressed against covered losses. Property and inland marine options vary by carrier, so confirm what fits your operation with a licensed agent.
What about claims tied to a repair that did not hold up?
An allegation that serviced equipment later failed may fall under general liability or completed-operations provisions. The policy form determines what may help respond, so review it carefully before binding.
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