We specialize in insuring high-performance and classic restoration shops. Our team understands the unique risks your business faces and will custom-build a policy that offers the best protection—just like a frame-off restoration.

Why Our Coverage Stands Out

Unlike standard insurance carriers that only cover vehicles at Actual Cash Value (ACV), we offer policies that pay on an Agreed Value Basis. This means:

• You and the insurer agree on the vehicle’s full value, covering both labor and parts.
• If you restore a car with $50,000 in upgrades, your policy covers the full $100,000 investment.
• No depreciation deductions in the event of a loss.

Comprehensive Protection for Your Shop

We offer a complete package designed specifically for restoration and performance shops, including:

• Garage Keepers Insurance – Protects customer vehicles while in your care.
• General Liability Insurance – Covers injuries and property damage.
• Auto Liability Insurance – Essential for test drives and shop vehicles.
• Property Insurance – Protects tools, equipment, and shop space.
• Workers’ Compensation – Ensures employee protection for job-related injuries.

Avoid Costly Policy Exclusions

Many standard insurance policies have hidden exclusions that could leave your shop vulnerable. Some common exclusions include:

• 🚫 No coverage for modifications to suspension or drivetrain
• 🚫 Exclusions for lift or lowering kits, air ride systems, turbos, and superchargers
• 🚫 No protection for custom fabrication work

Our policies ensure your business is fully covered—no surprises, no loopholes.

We Understand Your Passion

Restoring and modifying cars isn’t just a business—it’s your passion, your livelihood, and your craft. That’s why we take the time to explain your coverage options in clear, simple terms so you can focus on what you do best.

📞 Call us today for a free quote and let’s build the right coverage for your shop!