Rueter Insurance Assurance

Our approach is based on avoiding unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this objective through attention to detail, asking the right questions, and marketing your account to insurance companies that respect quality work.

Essential Coverages

  • Garage Keepers
  • Mechanics Errors and Omissions
  • Title Errors and Omissions
  • Product Recall Expense
  • Money and Securities
  • Blanket Waiver of Subrogation for all policies including Workers’ Comp
  • Automatic Additional Insured Status
  • Business Income with extra expense
  • Cyber Liability with data breach
  • Valuable Papers and Records
  • Electronic Data Processes
  • Employment Practices Liability with third party
  • Employee Dishonesty, including customer’s property
  • Environmental Impairment Liability
  • Directors and Officers Liability
  • General Liability, including Completed Operations
  • Auto Liability and Physical Damage
  • Hired and Non-Owned Automobile Liability
  • Building and Business Personal Property
  • Umbrella/Excess Liability
  • Workers’ Comp
  • Automobile Pollution Liability


Critical Issues

  • Fires from flammable lubricants, oils, degreasers, and solvents
  • Fires from welding
  • Battery acid burns
  • Improper loading and inadequate tie down of equipment/vehicles
  • Equipment theft and vandalism
  • Attractive nuisance hazard for equipment stored in the open
  • Heavy lifting injuries
  • Slip and fall injuries
  • Occupational diseases from noise, dust, and smoke
  • Your product and your work exclusion
  • Infection via on-the-job cuts and scrapes
  • Falling objects: exposure increased if proper safety equipment is not used
  • Transport and disposal of Hazardous Waste
  • Disaster recovery plan


Questions agents can fail to ask

  • How do you dispose of lubricants, oils, degreasers, solvents, and batteries?
  • Do you rent vehicles to customers? How many rental-type vehicles do you have? Do you have these customers sign Hold Harmless agreements?
  • Where do you store customers’ keys?
  • What is your process for returning keys to customers? Do you check the customer’s identification?
  • Do you have an alarm at your building? Who has access to the alarm code? Please list names of all employee.
  • Do you have a guard dog on premises?
  • Do you have any safety programs currently in place?
  • Are the workers using heavy machinery properly trained?
  • Do workers use the proper safety equipment at work, i.e., steel toed shoes, masks, protective eyewear, etc.?
  • Do you have a disaster recovery plan in place?
  • Do you transport any hazardous materials? If yes, do these drivers have valid licenses for the type of vehicle being driven?
  • Are background checks run on new hires?
  • Do you have random drug and alcohol tests conducted?
  • Do your drivers take vehicles home?


Case Histories

Mechanic’s E&O

A mechanic had a customer bring their car in for service. The mechanic went through all normal procedures for servicing the car. He found the master cylinder needed replacing. He ordered the part and installed it. Two weeks after installing the part, the car broke down. When the car owner took the car to another mechanic, the new mechanic determined that not only was the replacement part broken, but it had caused damage to other parts of the car, as well.

Understandably, the car owner felt he should not pay for any of the damage. He demanded that his old mechanic pay for the part to be replaced for a second time and he also demanded that the mechanic pay for the damage caused by the defective part. If the mechanic had Mechanic’s E&O insurance, he could have filed a claim with his insurance provider and would have been covered. Without this insurance, the mechanic had to pay for all of the damage out of his own pocket.


Cyber Liability

An auto repair shop stored client information on one computer in their office, which was not backed it up to an off-site location. There were no firewalls, antivirus, spam, or spyware protection, and the data on the computer not encrypted. Someone hacked into the computer and stole the credit card numbers, home addresses, and other personal information of all of their clients. Understandably, the clients sued the auto repair shop. Fifty-five percent of small businesses have experienced a data breach, with an average cost to the business of $43,000. If this amount is something that will seriously cripple your business and potentially bankrupt it, then you need to purchase Cyber Liability insurance.


Client Testimonial

“Having the right insurance is a big deal in our shop. That’s why I rely on Joe Rueter. He knows all the ins-and-outs and does insurance right. Saves us money, too.”

Bob Port
Rising Sun Automotive


Garage Service/Repair Loss Control Program

Joisted Masonry or better construction is preferred. Compliance with NFPA (National Fire Protection Association) standards for spray booths, flammable liquids, and welding.

Develop a process for handling customer keys. A log should be kept, and keys should be signed in and signed out on this log. Keys should never be left in a vehicle.

Premises should have bright lighting on the perimeter, fences, surveillance cameras, and vehicle anti-theft equipment.

Fuel and other flammable liquids should be stored away from all other operations, especially operations that create sparks. Should be stored in metal containers with tight lids.

Create a procedure for transporting flammable liquids within the building.

Used rags should not be left lying around exposed to sparks or flames.

Each piece of equipment should have a “deadman” switch so it can be stopped in case of an emergency.

Check the noise levels. If they are above 85 decibels, employees need to wear hearing protection.

Limit loaner cars to two.

Limit tow trucks to one.

Limit dealer tags to five or fewer. Less than five is preferable.

Body chassis fabrication only if part of normal body shop operations. Service Manager survey required for all auto body shops to verify compliance with NFPA.

Properly train employees on use of heavy machinery so that no one is seriously injury.

Purchase software that provides firewalls, antivirus, spam, and spyware protection, and encryption.

Run MVRs and background checks on all new-hires.

Create workplace etiquette guidelines for employees and enforce them. Include dress code, housekeeping rules, and any other relevant guidelines for your office.

Complete a Disaster Recovery Self-Assessment Checklist. We can provide one for you.

Create a business continuity plan

  1. Identify industry colleagues you could outsource work to in the case of an operations suspending loss.
  2. Calculate accurate employee payrolls.
  3. Implement crisis procedures for communication with patients and employees.
  4. Discuss your plan with your current suppliers and shippers.
  5. Review this plan and run drills to identify areas that need improvement.

Secure patient data in locked facilities, cabinets, or storage areas. Backup storage at an off-site location.

For maximum protection within the facility and to limit losses, rooms should be separated by one-hour-rated fire walls.

Dust collection systems should be in place to prevent fires. The dust created during various mechanic operations can ignite quickly and potentially cause a total loss.

Install wet automatic sprinklers throughout the facility. This includes sprinklers in and around heavy machinery, not just ceiling sprinklers.

Develop a safety and housekeeping plan. Post it in clear view in numerous places so it is always on the employees’ minds.

Establish a cleaning schedule for equipment that is critical to everyday operation and that is expensive to replace.