Auto Repair Shop Insurance

Insurance for
auto shops

Garage liability, garagekeepers, and commercial auto—the three-legged stool of shop coverage. We work with body shops, general repair, tire shops, towing companies, and specialty shops.

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Coverage Guide

What auto shops typically need

Coverage	Required?	What It Does
Garage Liability	Usually Required	Covers your shop operations—injuries or damage to customers and their property while on your premises or from your work.
Garagekeepers	Usually Required	Covers customer vehicles in your care, custody, and control. If a car gets damaged in your shop, this pays.
Commercial Auto	Optional	Covers your shop vehicles—tow trucks, courtesy cars, parts runners. Required if you have titled vehicles.
Tools & Equipment	Optional	Inland marine coverage for your lifts, diagnostic equipment, and specialty tools.
Business Property	Optional	Covers your building (if owned), inventory, and business personal property.
Workers' Compensation	Usually Required	Required if you have employees. Covers medical costs and lost wages for work injuries.

The Distinction

Garage liability vs. garagekeepers

These two coverages sound similar but cover different things. Most shops need both.

Garage Liability

Covers your operations—if a customer slips in your waiting room, or if you damage someone else's property while test-driving their car. It's your general liability + auto liability combined into one policy form.

Garagekeepers

Covers customer vehicles in your care. If a car gets damaged while in your shop—fire, theft, collision, vandalism—garagekeepers pays to fix it.

Shop Types

All automotive operations

General Repair

Body Shops

Transmission

Brake & Alignment

Oil Change / Lube

Tire Shops

Towing Companies

Dealerships

Specialty / Performance

Diesel / Heavy Duty

Mobile Mechanics

Detailing

Ready for a quote?

Tell us about your shop. We'll put together a package that covers your operations, your customers' cars, and your vehicles.