Insurance for Auto Repair Shops & Service Centers
Auto repair shops face a unique set of risks every day. Customer vehicles are in your care, employees work with hazardous equipment, and completed repairs carry liability if something goes wrong. A properly structured insurance program protects your shop from these exposures.
As agents focused on garage and dealer insurance, we understand the specific coverages your shop needs — and we work with multiple carriers to find the best program for your operation.
Types of Shops We Cover
General auto repair shops
Auto body and collision shops
Oil change and lube shops
Tire shops and alignment centers
Transmission repair shops
Muffler and exhaust shops
Brake repair shops
Engine rebuild shops
Custom fabrication shops
Detailing shops
Coverage Options
Garage Liability
Core liability for bodily injury and property damage from your repair operations, including products-completed operations for faulty repairs.
Garagekeepers Legal Liability
Covers customer vehicles in your care, custody, or control — essential for any shop that holds customer vehicles.
Commercial Property
Protects your building, equipment, tools, and business personal property.
Commercial Auto
Coverage for your shop vehicles, test drives, and vehicles driven for business purposes.
Workers' Compensation
Required in most states — covers employees injured on the job in your shop.
Business Income / Business Interruption
Replaces lost income if your shop must close due to a covered loss.
Cyber Liability
Protects against data breaches if you store customer payment or personal information.
Umbrella / Excess Liability
Additional liability limits above your primary garage liability policy.