Elevating the Insurance Experience

Whether you need business or personal insurance, we go above and beyond every day.

Who We Are

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We Are Evarts Tremaine

Trusted insurance advisors going above and beyond the expected.

People say you should never forget where you came from, and at Evarts Tremaine, we live by that philosophy every day. We offer the same caring, friendly, and industry-leading service today as we did on our very first day in business in 1844.

Since then, we have built our reputation as trusted business insurance advisors in Cleveland, OH, a world-class center for manufacturing, medicine, and education. Today, we serve thousands of individuals and businesses in dozens of specialty industries in all 50 states. We are known across the United States for creating innovative solutions for the toughest risk management challenges, just read our testimonials.

You can count on our experienced, accredited agents to understand what’s on the line for you—whether you need to access personal insurance to protect your lifestyle and personal assets or if you require complex insurance coverage for your business that employs 500.

At Evarts Tremaine, we think a little differently to find and implement insurance coverage that is custom designed for your distinct business and personal needs.

When you get to know us, you’ll see. We exceed expectations by personalizing every customer relationship, offering experienced guidance, and helping protect what matters most to you. We’ve been showing you who we are since 1844. We look forward to serving you soon.

Our Core Values

Here at Evarts Tremaine, we strive to go above and beyond in every way. These are the principles that make us unique.

Integrity
Authenticity
Innovation
Knowledge
Teamwork
Fun
About Our AgencyMeet Our Team

Recent Blog Posts

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October 11, 2021

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Brian Boland on being a trusted auto repair shop insurance advisor

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October 1, 2021

Carrier Spotlight: Chubb Insurance

For the month of October, we are spotlighting our carrier partner, Chubb Insurance. Chubb is the world’s largest publicly traded…
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Garage/Repair Shop

Commercial General Liability / Garage Liability

Risk Factor

Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.

Solution

Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Property of Others - Garagekeepers

Risk Factor

The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.

Solution

You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.

Inland Marine and Mobile Equipment Policies

Risk Factor

You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.

Solution

You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.

Workers' Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella or excess insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers' compensation, and business auto insurance. It provides a great safety net and helps ensure your repair shop business is well-protected.

Garage Repair Shop Insurance 101

Make sure you cover the unique risks you face with garage repair shop insurance.

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170

years in business

3,700

clients

96

renewal rate

14

year average retention

170

years in business

3,700

clients

96

renewal rate

14

year average retention

Join the Evarts Tremaine Team

We are only as good as the people that make up the Evarts Tremaine team. We are always interested in meeting talented people who want to go above and beyond here and in their careers. Browse our available positions and apply online today!

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Licensed in All 50 States

We are proud to insure businesses across the United States, as well as offering coverage for families locally in Cleveland, OH and Ohio statewide.

Read More Reviews

Real clients. Real reviews. Real coverage.

I have been working with Evarts Tremaine for over 10 years now and have always found them to be professional, knowledgeable, and helpful in both my business and personal insurance needs.

– Andy Fiffick

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Cleveland, OH Insurance Agency

We are proud to insure businesses across the United States, as well as offering coverage for families locally in Ohio.

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