Auto Parts Store Insurance
Auto parts retailers move heavy components and chemical products across a busy counter where spills and lifting hazards are everyday realities.
What this coverage is intended to address
- ✓General liability is intended to respond if a customer slips on spilled oil or coolant on your sales floor and is injured.
- ✓Product liability is generally intended to respond if a part you sold, such as a brake pad or battery, is alleged to have failed and caused harm.
- ✓Business property protection may help respond, in the event of a covered claim, to damage affecting your shelving, point-of-sale systems, and stocked inventory.
Coverage products commonly considered
Most auto parts store 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.
- Suppose a customer slips in a puddle of leaked transmission fluid near the fluids aisle and fractures a wrist — general liability is intended to respond to that injury claim.
- Imagine an alternator you sold is alleged to have shorted and damaged a buyer's wiring harness; product liability may help respond to the property damage allegation.
Frequently asked questions
Are claims about parts I resell considered?
Product liability is generally intended to respond to allegations that an item sold through your store caused injury or damage, even when you did not manufacture it, subject to policy terms.
What if a heavy box falls on a shopper?
If stocked inventory falls from a shelf and injures a customer on your premises, general liability is intended to respond to the resulting bodily injury claim where it is covered.
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