From the family-owned car repair shop to the specialty detailing shop with multiple locations and everything in between, we have the insurance markets to offer competitive pricing and comprehensive coverage to fit your business needs.

What’s covered?

Your policy needs to be tailored to cover the operations of your specific auto shop, however, there are common coverages most policies provide: 

1. Garage Liability

• Protect your business from third-party claims of bodily injury, property damage, and personal injury. General liability insurance is essential for any automotive and garage service business.

2. Garage Keeper’s Liability

• Cover the vehicles in your care, custody, or control. This insurance is crucial for businesses that store, repair, or service customer vehicles.

3. Equipment Breakdown

• Cover the costs of repairing or replacing essential equipment that breaks down due to mechanical or electrical failure.

4. Equipment and Tools

• Protect your valuable tools and equipment from damage, theft, and loss. This coverage ensures that your business operations can continue smoothly without interruptions.

5. Building

• Safeguard your business property, including buildings, equipment, and inventory, against risks such as fire, theft, and natural disasters.

6. Worker’s Compensation

• Ensure your employees are protected in case of work-related injuries or illnesses. Workers compensation insurance covers medical expenses, lost wages, and rehabilitation costs.

Benefits of Automotive & Garage Services Insurance

• Financial Protection: Minimize the financial impact of unexpected events and claims.
• Legal Compliance: Ensure your business meets state and federal insurance requirements.
• Peace of Mind: Focus on running your business, knowing you are protected against potential risks.

Protecting You with the Right Coverage

Automotive garage insurance is unique because it needs to cover your standard on the job risk for employees, but it also needs to coverage other exposures like technician errors, damage to customer vehicles, or equipment damage that prevents daily operations.

It’s important to be with a carrier that understands the risks associated with your day-to-day operations and be able to adequately cover you. While some insurance carriers say they can provide garage coverage, you need to find one that specializes in garage coverage. That’s where we can help!

Why We’re Different

While most insurance products are similar in price and fuction, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such things as a one-size fits all insurance policy when it comes to your business.
Contact us today, and we’ll help you protect what matters most.