Insurance for Automotive Repair & Maintenance

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  • Simple, fast, and efficient; just like repairing a vehicle

  • Same-day insurance so you can get back to what matters the most

  • Customized plans, better coverage for automotive repair shops

  • Insurance from the best in the industry

Coverage Plans for All Your Needs


Essential coverages for your auto repair shop

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from a garage

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown

Optional: Garage Keepers Liability


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Commercial Auto, Professional Liability, etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Small business insurance is critical to your auto repair shop’s livelihood. It can be hard to determine which policies you need to buy. Every auto repair shop needs general liability, errors and omissions, and commercial property insurance. If you have employees you a need workman’s compensation insurance and if you store client information, cyber liability is also necessary.

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Frequently Asked Questions

Why do Automotive Repair Shops need insurance?

According to the Department of Transportation, the average household has 1.9 personal vehicles, and that number continues to rise making your business more important than ever. Customers need your expertise to help them maintain their vehicles and accomplish their daily tasks. As an auto repair shop owner, you work with a variety of customers every day which is rewarding, but it also increases the risks you face. Auto repair shop insurance or mechanic insurance protects your business and reputation when lawsuits occur.

This industry includes various types of shops, such as auto repair shops and garages, oil change shops, window repair services, brake shops, transmission repair shops and other businesses that focus on the maintenance and repair of different car parts. Individuals who work in this industry can include mechanics, electricians, and store clerks.

What are risks Automotive Repair and Maintenance Shops could face?

Because you work directly with customers’ valued assets, you face many unique risks including:

  • Vehicle Damage: Customers leave cars and trucks in your care for the day or overnight. If an employee wrecks a car on a test drive or somebody breaks into it, the customer can sue you for the damage.
  • Mechanic Errors: Mechanics and auto technicians often offer a multipoint inspection of their services. If you overlook a safety problem that leads to an auto accident, you are responsible for the damages.
  • Employee injury: Mechanics use the same tools and hand movements for a number of projects. Repetitive motions like these can lead carpal tunnel which is often considered a work-related injury.
  • Cyber Breaches: Hackers attack businesses big and small. Plenty of auto repair and maintenance shops store client information on computer systems including names, addresses, email, and payment methods. If your computers were compromised, how would you pay for the mandated notices, investigation, and any lawsuits that arise?

How can I reduce the risk in my auto repair shop?

You need to have Auto Repair Shop insurance as your primary risk management. Ensure that your employees have adequate protection, this ensures that the dangers of working in an automotive shop are mitigated. Then protect your property from fire and the theft as both can interrupt your business productivity and lose income.

What are the common types of garage insurance?

The common types of garage insurance for an auto repair shop are: Repair Shop insurance, Body Shop insurance, Radiator Services insurance, Transmission Shop insurance, Tow Truck insurance, and Muffler Shop insurance. These are just the basics, so it's best to ask your insurance provider the garage insurance you need for your shop.

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CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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