Auto Shop Insurance in Kansas: What You Need to Know

Required Insurance for Kansas Auto Shops

1. General Liability Insurance

• Covers customer injuries on premises
• Property damage claims
• Kansas average: $500-$1,200/year
• Minimum $1M coverage recommended

2. Garagekeepers Insurance

• Covers customer vehicles in your care
• Fire, theft, vandalism while in shop
• Kansas cost: $1,000-$2,500/year
• Essential for every auto shop

3. Workers Compensation

• Required if you have employees
• Kansas rates: $2-$8 per $100 payroll
• Covers employee injuries

4. Commercial Auto Insurance

• For shop vehicles (tow truck, service van)
• Test drive coverage
• Kansas cost: $1,200-$3,000/year per vehicle

How Manager SE Helps with Insurance

• Tracks customer vehicle check-in/check-out
• Documents vehicle condition (photos)
• Maintains detailed service records
• Provides evidence in insurance claims

Conclusion

Proper insurance protects your Kansas shop from financial disaster. Budget $5,000-$10,000 annually depending on shop size.