What is ATV Sales/Repairs Insurance?
ATV sales and repairs insurance is a specialized type of business insurance designed for companies that sell, service, or repair all-terrain vehicles (ATVs). These businesses face unique risks, including property damage, customer injuries, and liability from test drives or faulty repairs. Having the right coverage helps protect your shop, employees, and customers.
Who Needs It
This coverage is essential for:
- ATV dealerships and showrooms
- Repair shops specializing in ATVs
- Mobile ATV mechanics
- Parts retailers for off-road vehicles
- Businesses offering ATV customization or upgrades
If your business involves storing, transporting, or working on ATVs, insurance is vital to help cover potential losses.
What It Typically Covers
ATV sales and repairs insurance often includes:
- General liability: Covers third-party injuries or property damage at your shop.
- Garage liability: Protects against claims related to the repair or maintenance of customer vehicles.
- Garagekeepers coverage: Helps pay for damage to customer ATVs while in your care.
- Commercial property: Covers tools, inventory, and your shop building if damaged by fire, theft, or storms.
- Workers’ compensation: Required in most states if you have employees, covering work-related injuries.
Common Exclusions and Limitations
Policies may exclude coverage for:
- Intentional damage or criminal acts
- Racing or off-road event participation
- Unlicensed or underage operators
- Modifications beyond manufacturer specs
Always review your policy carefully to understand what's covered and what isn't.
Factors That Influence Cost
Several things can affect your insurance premium, such as:
- Business size and revenue
- Types of services offered (sales, repairs, storage)
- Location and property value
- Claims history
- Number of employees and vehicles
Working with an experienced insurance provider can help you find coverage that fits your needs and budget.
Proof of Insurance & Compliance
Many states require proof of insurance to operate a vehicle sales or repair business. You may need to show coverage to obtain business licenses or permits. Some customers and lenders may also request a certificate of insurance before doing business with you.
How to Get a Quote
Ready to protect your ATV business? Get a quote today to explore your coverage options.
Frequently Asked Questions
Do I need special insurance if I only repair ATVs and don’t sell them?
Yes. Even if you only perform repairs, you may still need liability and garagekeepers coverage to protect against damage or injuries related to your services.
Is ATV inventory covered under a standard property policy?
Not always. You may need additional coverage for inventory, especially if you carry high-value or large volumes of vehicles.
Does this insurance cover test drives?
Some policies include liability for test drives, but you may need to add on-road coverage depending on state laws and where the test drive occurs.
What happens if a customer’s ATV is stolen while in my shop?
If you have garagekeepers coverage with theft protection, it can help cover the loss of a customer’s vehicle while in your care.
Can I bundle ATV insurance with other business policies?
Yes, many insurers offer bundled packages tailored to powersports businesses, which can include property, liability, and workers’ comp coverage.
Still have questions? Talk to a local insurance expert.