Auto Repair Shop Insurance
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What is auto repair shop insurance?
Auto repair shop insurance is specialized business insurance designed to protect auto repair facilities, mechanics, and mobile mechanics. It covers financial risks from liability claims, customer vehicle damage, and employee injuries.
This coverage ensures your shop stays protected from lawsuits, accidents, and other unexpected losses. Whether you run a repair garage, tire shop, or mobile mechanic service, we’ll help you find the right coverage from our A-rated insurance carriers.
Do you need auto repair shop insurance?
Auto repair shops face unique risks every day—from damaged customer vehicles to employee injuries and costly lawsuits. Your kauto repair shop is filled with power tools, specialized equipment, and hazardous materials. Without the right insurance protection, one accident could put your business in financial jeopardy.
If you own or operate any of the following businesses, you need auto repair shop insurance:
Retail tire shops
Auto repair shops
Mechanics
Collision shops or body repair
Garage
Auto services excellence (ASE) or I-CAR certifications
Audio installers or repair shops
Is Your Auto Repair Shop Fully Protected?
Unexpected risks—fires, customer injuries, theft, or cyber threats—could put your business at risk. Download Your Free Automotive Repair Risk Summary & Checklist.
What’s the Best Insurance Coverage for Auto Repair Shops?
A Business Owner’s Policy (BOP) is one of the most common and cost-effective ways to protect an auto repair shop. But depending on your business, you may need additional specialized coverage. Here’s what you should consider:
General Liability
Business Owner’s Policy
Workers Compensation
Garage Keepers
Garage Keepers Insurance protects your business if a customer’s car is damaged while in your shop’s care, custody, or control. Whether from fire, theft, or accidental damage, this coverage helps safeguard your shop from costly claims.
Cyber Insurance
Protects against electronic threats, data breaches, and cyber-attacks. Auto repair shops frequently store customer data and even payment methods, like credit cards.
Commercial Auto
If your shop owns tow trucks or service vehicles, you need Commercial Auto Insurance. It covers vehicle accidents, property damage, and liability while operating business-owned vehicles.. You may also need hired and non-owned auto.
How to Buy Auto Repair Shop Insurance?
Getting the right insurance for your auto repair business is quick and easy. Whether you run a small repair shop, a mobile mechanic service, or a full-service garage, we make the process simple. Just follow these three steps:
- Start Your Quote Online
Enter your quote details online, including location, revenue, and number of employees. - Compare Insurance Options
Instantly review quotes from top A-rated carriers to find the best coverage at the right price. - Purchase and Get Proof of Insurance
Secure your policy, download your certificate of insurance (COI), and get back to business with confidence.
Protect Your Auto Repair Business Today
secure the right insurance for your shop.
Frequently asked questions (FAQs):
The cost of auto repair shop insurance depends on several factors, including your shop’s location, size, revenue, number of employees, and the types of coverage you select. On average, policies start at a few hundred dollars per month, but bundling coverages like General Liability, Garage Keepers, and Workers’ Compensation can help you save. Get a free quote to find the best rate for your business.
So, what is the difference between garage liability and garage keepers insurance?
- Garage Liability Insurance covers injuries or property damage caused by your business operations (e.g., if a customer slips and falls in your shop).
- Garage Keepers Insurance covers damage to a customer’s vehicle while in your care, custody, or control (e.g., fire, theft, or accidental damage while in your shop).
Many auto repair shops need both coverages for full protection.
Yes! Mobile mechanics face unique risks, such as property damage at customer locations, injuries while working, and liability for vehicle repairs. A General Liability policy plus Garage Keepers and Commercial Auto Insurance (if you use a work vehicle) can help protect your business.
You can get coverage and download your Certificate of Insurance (COI) immediately after purchasing a policy online. If you need help, our licensed agents are ready to assist.
Without proper insurance, your business could be financially responsible for legal claims, employee injuries, or customer vehicle damage. A single lawsuit or accident could put your shop at risk. Protecting your business with customized coverage ensures you’re covered when the unexpected happens.