Common questions about Auto repair shops and mechanics
Answering the most frequently asked questions about Auto repair shops and mechanics.
Is a car damaged on a test drive covered?Gravity Certs2026-08-17T22:00:06-04:00
Usually under auto coverage rather than garage keepers, and terms differ by who was driving. Confirm before it happens.
Are my mechanics employees or contractors?Gravity Certs2026-08-17T22:00:06-04:00
New York applies its own test. Misclassification is a leading workers’ compensation audit finding in this trade.
Am I liable if a repair causes an accident later?Gravity Certs2026-08-17T22:00:05-04:00
Yes. Faulty repair claims fall under completed operations, and brake and steering work carries the most severity.
Do I need pollution coverage for waste oil?Gravity Certs2026-08-17T22:00:05-04:00
Yes. Waste oil, antifreeze and solvents are pollutants, and disposal issues are excluded from general liability.
What if a car is stolen off my lot overnight?Gravity Certs2026-08-17T22:00:04-04:00
Garage keepers responds. Your general liability and property policies won’t cover a customer’s vehicle.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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