Insurance for Automotive Repair & Maintenance
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Coverage Plans for All Your Needs
Essential coverages for your auto repair shop
General Liability (GL)Instant quote »
- 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)Instant quote »
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*Instant quote »
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
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.
Pays costs to replace or repair your business property, including building, tools and equipment after specific events like fires. You can also add business interruption insurance to help alleviate loss of income in the event of a temporary shutdown.
Accidents can happen anytime, and the damage it leaves behind can be devastating to your business especially when you don't have auto repair insurance. General Liability insurance will protect your business income from lawsuits involving physical injuries, third-party property damage and advertising mistakes that happen during your business operations.
This coverage is mandated in most states when you employ a certain number of individuals. It covers costs from work-related injuries, including loss of wages and medical bills and keeps them from being able to sue your auto shop.
Pays all costs associated with cyber breaches including notifications, investigation, and public relations services to maintain your reputation.
Errors & Omissions
Protects you if you fail to provide recommendations, or recommend something that causes harm to your auto customer.
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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