Garage & Auto Repair Insurance
Cover Your Tools, Your Team, and Every Vehicle You Touch
What Is Garage & Auto Repair Insurance?
Garage & Repair Insurance is specialized coverage designed for businesses that service, store, or handle customer vehicles. This includes auto repair shops, body shops, service centers, tire shops, and similar operations.
These policies protect both your business and your customers' vehicles from risks such as accidental damage, theft, injuries on your property, equipment breakdowns, and other unexpected events that can occur in a repair or service environment.
Why Do You Need It?
Working with customer vehicles carries significant responsibility and risk. A simple mistake, unexpected accident, or equipment failure can lead to costly claims, property damage, or liability issues. Without proper coverage, your business may be exposed to expensive repair costs, legal fees, or damage to your reputation.
Garage & Repair Insurance ensures you’re protected from these risks so you can focus on delivering reliable service. It safeguards your tools, your team, and your customers' vehicles—helping your business operate smoothly and confidently every day.
Types of Garage & Repair Insurance
Garage Liability Insurance – Covers bodily injury and property damage resulting from your daily operations, such as test drives or customer interactions.
Garagekeepers Insurance – Protects customers’ vehicles while they’re in your care, custody, or control (e.g., parked on your lot or being serviced).
Commercial Property Insurance – Covers your shop, tools, equipment, office space, and inventory against fire, theft, vandalism, and other damages.
Business Auto Insurance – Protects any company-owned vehicles used for deliveries, parts runs, or test driving.
General Liability Insurance – Covers slip-and-fall accidents, customer injuries, or property damage not directly tied to vehicle service.
Workers’ Compensation – Provides medical and wage benefits for employees injured on the job.
Equipment Breakdown Coverage – Covers repairs or replacement of essential shop equipment like lifts, compressors, and diagnostic tools.
Business Interruption Coverage – Helps replace lost income if your shop must temporarily close due to a covered event.
Tools & Equipment Coverage – Protects technician tools—whether owned by the business or employees—from theft or accidental damage.