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Bambi Crozier, wife and co-owner with Neil Crozier, of Car Clinic in Lowell, AR (Northwest Arkansas), has a passion for the hardworking shop owner. Her vision to Change the Face of Automotive Care motivates and inspires every aspect of her daily operation. She entered the industry in 2012 as an entrepreneur shortly after moving back to Arkansas. She spent more than 11 years at AT&T in client relation roles and has a talent for looking at her business and the auto industry through the lens of a client. Bambi’s previous episodes HERE.

Kim Auernheimer, AAM is the Co-Owner & Business Manager of CS Automotive in Brentwood, Tennessee. CS Automotive was opened in October of 2006 in the back of a warehouse and now they call a 6,400 square foot, 10-bay shop home. Prior to joining her husband Rob in the business on a full-time basis, Kim had a career in Commercial Real Estate and Property Management. In July of 2011, she stepped out from the background of the business and joined her husband in the venture of creating an industry-leading standout

Kim continuously seeks out training for her and her entire team and put the teachings to use. Her belief in industry education has been a large influence on how much success and growth they have had over the last few years. She has a passion to improve the reputation of the Automotive Repair industry working alongside other shop owners and industry leaders to improve the overall experience of the customer from the moment they make that first call to the shop until they drive their car off the lot instilling transparency and developing trust during the entire process.

In 2017, she obtained her Accredited Automotive Manager (AAM) designation. This is a result of 120-credit hours of coursework in several core competencies including leadership, marketing, customer relations, accounting, and several other areas of automotive repair business management. Listen to Kim’s Episodes HERE.

David Coury, AAI, CIC, is the Senior Account Executive of IGO Insurance Agency.

Key Talking Points:

  1. Who can I call to review my insurance to make sure I have everything I need and compare what I have to what others in my industry may have?Your agent is a critical advisor to you
  2. You must trust them. Have lunch. Look them in the eye
  3. Find a specialist, if you can, in the automotive industry 
  4. You don’t know what you don’t know. You may not know what to ask that is why a strong relationship with an agent will bring more to the table
  5. What if my building burns down – are my tools covered? Are my clients’ cars covered? Are my employee’s wages covered? Is my lost revenue covered?At fault, not at fault
  6. David says co-insurance is important.You’ll need to be close to the value of building on coverage
  7. Actual rebuild costs, you need to be covered up to 80%
  8. Business interruption for income is criticalYou can get 12 months actual loss sustained
  9. Keeping you even
  10. Read the fine print
  11. Look at replacement costs of new equipment
  12. COVID19Your policies may have a virus/bacteria exclusion
  13. Workman’s comp may have a ‘disease at work clause’
  14. The natural course of events should not be part of your Workmans comp
  15. What if we have an accident in a client car? Is the car covered, are the other people covered, is my driver covered? What if there’s damage to another property?You did the work on a client’s car and something happened. You’ll want comprehensive coverage.
  16. Liability will also cover if the client is driving
  17. Test drives:Non-owned auto liability
  18. Workmans Comp can come into play
  19. There is Garage Keepers coverage
  20. Consider an umbrella policy to cover catastrophic claimsBuy coverage based on your appetite for risk
  21. David sees catastrophic claims $3-5 Million
  22. Umbrellas do not fill gaps. It extends what you already have
  23. Tough to suggest what coverage to get. Your appetite for risk
  24. Consider a personal umbrella also to cover you personally
  25. Insurance follows the vehicle
  26. Look at drive other car coverage for your business
  27. Sexual harassment needs to be an endorsed rider
  28. What if my employee is hurt at work?Workmans Comp
  29. States track your claims and you get an experience modification
  30. Should you self insure small claims, cuts/bruises (a suggestion not the rule)Ask your agent and look at your experience
  31. Let your agent guide you on filing claim
  32. A customer gets hurt on your property (rent or own)If you are leasing, you must read your lease to understand your liability
  33. The landlord can demand you have certain coverage and umbrellas
  34. You need to be sure your landlord has insurance
  35. What if we blow up a motor? Is the damage covered?Carrier can say you touched the engine it is your fault
  36. You need to look at ‘mechanics errors and omissions’ coverage
  37. Also’ broad form product’ coverage on your general liability
  38. Do I need commercial umbrella insurance? What does it cover? Is there a place where there is too much coverage and we become sexy for lawsuits?See #4 above
  39. Cannot get calls or the internet or power to run the tools?Look at the fine print of your policy
  40. Big storm, power is out. But why? Flood? (possibly no coverage)
  41. Many policies exclude overhead transmission lines. 9 of 10 polices do not cover overhead transmission lines
  42. What if there is a big hail storm and it damages all our company cars and client cars outside?Need comprehensive coverage for your cars
  43. There will be a deductible fr the company cars
  44. A stop loss on your garage keepers coverage
  45. Direct and primary coverage has a limitActual cash value for replacement
  46. Look at your flood coverageAnyone can have a flood
  47. What if someone accuses us of unfair employment practices?Employment-related practices policy or endorsement
  48. Wrongful dismissal
  49. Unfair hiring practices
  50. Sexual Harassment 
  51. Discrimination
  52. A third party. An outsider comes to your place. Look at this coverage.
  53. Critical to have a handbook and procedures manual that describes how all of these claims are managed
  54. “Fear is the length and shadow if ignorance ”

Link to previous Insurance Academy #161 HERE.

Resources:

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This episode is brought to you by Shop-Ware Shop Management. It’s time to run your business at its fullest potential with the industry’s leading technology. Shop-Ware Shop Management will increase your efficiency with lightning-fast workflows, help your staff capture more sales every day, and create very happy customers who promote your business. Shops running Shop-Ware have More Time and generate More Profit—join them! Schedule a free live demonstration and find out how 30 minutes can transform your shop at shop-ware.com

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  • Have you checked out Joe's Latest Blog?

         0 comments
      It always amazes me when I hear about a technician who quits one repair shop to go work at another shop for less money. I know you have heard of this too, and you’ve probably asked yourself, “Can this be true? And Why?” The answer rests within the culture of the company. More specifically, the boss, manager, or a toxic work environment literally pushed the technician out the door.
      While money and benefits tend to attract people to a company, it won’t keep them there. When a technician begins to look over the fence for greener grass, that is usually a sign that something is wrong within the workplace. It also means that his or her heart is probably already gone. If the issue is not resolved, no amount of money will keep that technician for the long term. The heart is always the first to leave. The last thing that leaves is the technician’s toolbox.
      Shop owners: Focus more on employee retention than acquisition. This is not to say that you should not be constantly recruiting. You should. What it does means is that once you hire someone, your job isn’t over, that’s when it begins. Get to know your technicians. Build strong relationships. Have frequent one-on-ones. Engage in meaningful conversation. Find what truly motivates your technicians. You may be surprised that while money is a motivator, it’s usually not the prime motivator.
      One last thing; the cost of technician turnover can be financially devastating. It also affects shop morale. Do all you can to create a workplace where technicians feel they are respected, recognized, and know that their work contributes to the overall success of the company. This will lead to improved morale and team spirit. Remember, when you see a technician’s toolbox rolling out of the bay on its way to another shop, the heart was most likely gone long before that.
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