Repair shop insurance is a package of coverages built for auto repair businesses. It protects you if a customer gets hurt, if you damage someone else’s property, or if something happens to a customer’s vehicle while it’s at your shop.
Most shops need garage liability and garage keepers, and many also add property coverage for tools and equipment. We shop multiple carriers to find the best price for your type of repair work without cutting coverage corners.
The biggest savings usually come from shopping the right carriers for repair shops and structuring coverage correctly. We compare multiple companies and, when it saves money, place different coverages with different carriers.
The best levers for cost control are a secured premises such as a fenced lot, security system, locked storage, and a key safe, along with keeping a clean claims history and adjusting your deductible.
If your premises is secured, reach out to us and we’ll negotiate with carriers on your behalf to help lower your premium.
Garage liability is the core liability coverage for repair shops. It helps cover customer injuries and property damage tied to your business, and it can include liability from things like test drives.
It’s similar to general liability, but designed for auto service operations. Rates vary a lot by carrier, so we compare options to land the most competitive pricing.
Garage keepers covers customer vehicles while they’re in your care for service, repair, or storage. It can protect you from losses like theft, fire, vandalism, or certain weather damage.
We size this coverage to match the number and value of vehicles you typically have on-site, so you’re not overpaying.
