West Michigan’s Hometown Insurance Agency

Protecting small businesses and families since 1919.

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Reno Agency

Proud to continue serving West Michigan for over 100 years.

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Since 1919, we have remained a trusted agency in securing insurance for local individuals, families, and businesses. As an independent agency backed by a broad selection of insurance carriers, we are able to extend a variety of options to our clients while customizing solutions to fit their individual needs.

At the Reno Agency, we ensure our clients are the top priority. Our team of licensed agents are knowledgeable in many areas of business and personal solutions and strive to be a resource you can rely on. Our policies are carefully crafted to propose solutions to your individual risks and exposures.

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Small Business is Our Specialty

You work hard for your business and we’re helping to protect and preserve it. We specialize in small business insurance programs of many types and sizes.

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Over a Century of Serving Quality Solutions

Providing a variety of business insurance and personal insurance solutions is what Reno Agency does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

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Our Clients Rave About Us

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

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We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.

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What Makes Reno Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

Many of our agents are actively involved in the local community and cherish the organizations we get involved with.

Client-Centric Service

We keep our clients at the heart of our business and enjoy guiding them through the uncertainties of insurance coverage.

Experienced Agents

With extensive knowledge, we understand the solutions needed to ensure peace of mind while preserving hard work.

Century-Long Expertise

Our agency has been securing insurance solutions for individuals, families, and businesses since 1919.

Local Advice

We’re happy to help address your local West Michigan risks because we also work here, live here, and play here.

Coverage Options

We offer a broad range of business and personal solutions and are confident we can cover many of your insurance needs.

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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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Wayland, MI

120 W. Superior Street
Wayland, MI 49348

We’re proud to serve local businesses and residents across West Michigan.

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