From brake repairs to collision work, running an auto repair shop comes with unique risks. The right insurance package ensures you’re covered—so you can focus on keeping your customers safely on the road.

Why Auto Repair Shops Need Specialized Coverage

Whether you handle oil changes, alignments, exhaust work, or tire replacements, your business needs coverage tailored to the automotive repair industry. A typical repair shop policy includes:

• Garage Liability – Covers auto and premises liability.
• Garage Keepers Liability – Protects customer vehicles in your care.
• Property Insurance – Safeguards your shop, tools, and equipment.
• Umbrella Coverage – Adds extra protection for high-value claims.

Garage Liability Coverage

Garage liability combines auto liability and premises liability to protect your business from accidents, injuries, and property damage.

Auto Liability Covers:

• Test drives by customers and employees
• Employees running errands (e.g., parts pickups, bank trips)
• Contract drivers delivering vehicles

Important Notes:

• 🚗 Employees are covered only during business hours unless listed as a furnished driver.
• 🚫 No coverage for overnight test drives by customers.
• 👨‍🔧 Employees or family members must be listed and charged if using company vehicles outside business hours.

Premises Liability Coverage

Protects your business from claims if a customer is injured on your property—for example, if someone slips and falls in your shop.

Keep in mind:

• Employees are not covered under premises liability—workers’ compensation is needed for workplace injuries.
• Coverage can extend to your landlord or additional insured parties.

Get the Right Coverage for Your Auto Repair Shop

We understand the risks you face and offer insurance solutions tailored to your needs. Let’s build the right policy to protect your shop, your employees, and your customers.

📞 Call us today for a free quote and get the coverage your business deserves!