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Auto Service & Repair Insurance

Your customers trust you with their vehicles and running an auto shop is no easy job. Customer expectations are high and the risks with delivering anything less are substantial and real. Insurance for auto service and repair businesses is critical to building a lasting, successful business. From damage to customer vehicles, to improper service or damage to equipment there are many aspects of your business that require risk assessment and planning.

Fortunately there are insurance products and risk strategies designed to meet the unique needs of your operation. We work with many types of auto service professionals to develop coverage plans and risk management strategies, such as:

  • Automotive repair shops
  • Mechanics
  • Body repair and collision shops
  • Auto detailers
  • Tow and impound lots
  • Service shops (muffler, transmission)
  • Tire and Battery dealers
  • Auto Sound System Installers

Key Coverages for Auto Dealerships & Garages

Auto service & repair insurance
Business Owner's Policy

Many auto service shops are eligible for a Business Owner’s Policy (BOP). A BOP combines common business coverages (General Liability and Property Insurance) into one convenient policy. It’s a great fit for many and provides the flexibility to add additional coverages based on your shop’s needs.

Auto service & repair insurance
Garagekeepers Coverage

Typically in the form of an addon to your underlying liability policy, Garagekeepers liability outlines coverage to the damage of customer’s vehicles in your care, custody and control.

Contract being signed
General Liability

Often referred to as business liability, general liability protects businesses from general claims that arise out of normal day to day operations. Coverage is considered 3rd party, meaning it protects against injuries and property damage to others.

Auto service & repair insurance
Business Property

Business Property also referred to as Commercial Property Insurance and Business Personal Property Insurance. As the name implies, covers the physical location, equipment and contents your business owns.

Business Auto
Business Auto

Also referred to as commercial auto, business auto can be very straightforward (insuring vehicles your company owns) but also confusing (i.e. using personal vehicles for business). While many of the coverages are similar to that on a personal auto policy, the limits and conditions can be very different and may vary based on the use of the vehicle.

Workers Compensation
Workers' Compensation

Workers Comp provides benefits to your employees if they get injured on the job or become ill from their job. If you have employees then Workers Comp is required by law in just about every state, though the details may vary.

Lawyer at their desk
Professional Liability

Often a surprise to shop owners but there are situations that may arise where professional liability coverage is needed to round out your shop’s protection. We can help determine if this type of coverage is needed for your operation or if General Liability is sufficient for your needs.