Auto Repair Shops insurance · Nationwide
Coverage built for the cars you don't own
A customer's transmission on your lift, a shop fire that spreads to vehicles waiting for pickup, a tech injured under a hoist: repair shop risk isn't like other small businesses. We connect you with specialists who price it correctly.
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Coverage auto repair shops carry
Every vehicle in your bays belongs to somebody else, and that single fact is why a standard business policy does not fit a repair shop. Garage liability and garagekeepers exist because general liability specifically excludes property in your care.
General Liability
Injury to customers and visitors in the office, the lot, and the waiting area.
This covers people rather than vehicles. It is the slip in the lot and the customer who walks into a bay, never the car on the lift, which garagekeepers handles.
Garage Liability
Your shop operations, including test drives and a repair that fails after the customer collects the car.
Garage liability replaces standard GL for shop work. It answers for the test drive and for the brake job that fails a week later as completed operations.
Workers' Compensation
Medical bills and lost wages for techs working under lifts and around rolling equipment.
Required in nearly every state once a technician is on payroll. Lifts, hoists and solvent exposure make bays a harder rate than almost any retail workplace.
Commercial Property
Your building, lifts, diagnostic equipment, and parts inventory against fire, theft, and storms.
Lifts and alignment racks are usually the largest single number on the schedule. Add business income, a fire idles the crew as well as the bays.
Commercial Auto
Loaner cars, parts runners, and any tow vehicle you operate: liability, collision, and hired or non-owned autos.
Loaners are the exposure owners forget. A customer driving your loaner is your liability, and garage plates do not move coverage onto the vehicle.
Tools & Equipment
Scan tools, specialty equipment, and technicians' own tools damaged or stolen.
Scan tools and factory-specific equipment cost more than most repairs bill. Technicians' personal tool boxes need naming. They are usually excluded by default.
FAQFrequently Asked Questions
Garage liability covers your shop's operations. Third-party injury or property damage from your work. Garagekeepers coverage specifically protects customer vehicles left in your care, which a standard GL policy typically excludes.
With comprehensive-form garagekeepers coverage, yes: theft of a vehicle left in your care is exactly what it's designed for, unlike standard property insurance which covers your own assets.
That's a completed-operations claim, covered under general liability. It responds to failures that surface after you've finished the job and returned the vehicle.
Inland marine (contractors' equipment coverage) protects scan tools, lifts, and other gear that standard property policies often exclude once it's mobile or away from a fixed location.