What commercial truck repair shops do
Commercial truck and fleet repair shops service and repair heavy-duty trucks, tractors, box trucks, and fleet vehicles — engine and drivetrain work, brakes and air systems, DOT and FMCSA safety inspections, and preventive maintenance for business customers who need their trucks back on the road. These are large, high-value vehicles that earn money for their owners every day they run.
The exposures that come with it
The exposures scale up with the vehicles. Garagekeepers limits need to reflect higher-value commercial vehicles in your care. There’s real downtime / loss-of-use pressure — a fleet customer whose truck sits an extra week is losing revenue and may look to your shop. DOT / FMCSA safety-inspection work carries its own liability, since a missed defect can have serious consequences. And the work requires heavier lifting equipment and bays, adding to your property and workers’ comp exposure. Commercial truck is a listed target class (both service and dealer).
Coverage that matters for truck repair shops
Garage liability with completed operations, garagekeepers with limits for high-value trucks, commercial auto where you operate vehicles, property for heavy equipment, and workers’ comp. Coverage is general in nature and governed solely by the terms of the issued policy.