Insurance for Automotive Stores

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Coverage Plans for All Your Needs


Essential coverages for your auto parts store

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 store

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


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 Business Interruption, Cyber 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

An auto parts store should have coverage for potential customer and employee injuries, loss of property, and much more. If you're making deliveries a commercial auto insurance policy is necessary as well. Review the coverages below and find what makes sense for your business.

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Frequently Asked Questions

What are Auto Parts Stores?

Establishments in this industry focus on selling parts and accessories for motor vehicles. Stores include car and truck supply, automotive stereo, used parts dealers and tire dealers. Many establishments in this industry join their services with established repair shops.

What risks could Tire Shops and Auto Supply Stores face?

Auto stores and tire shops can face accidents like customers tripping and falling in the store or parking lot. Damage to your inventory due to a catastrophe like a fire or natural disaster. Loss of income from a catastrophic event. Theft, cyber breaches, employee lawsuits are just a few of the many risks a tire shop and an auto supply store faces.

Why should I buy General Liability Insurance for my Auto Parts Store?

Aside from coverage for injuries a customer could sustain while shopping at your store, General Liability also has a line of coverage for Products and Completed Operations. This can help to protect you if a customer claims injury from a product you sell. It should be the manufacturers responsibility, but the retailer can often be included in accusations and an insurance policy will pay the cost of defense.

Do I need Workers Compensation for my Auto Parts Store?

If you have employees then you very likely need Workers' Compensation for your auto parts store. Workers' Compensation is mandatory in most states once you start hiring full-time employees.

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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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