Coverage built for the shop floor.
A customer's car is damaged while it's in your care. A tech is hurt on the lift. A fire breaks out in the bay overnight. Running a repair shop means risk on every ticket — and every one of these maps to a coverage type we write across CA, TX, FL, and AZ.
Why repair shops need garage coverage.
Auto shops carry a risk most businesses don't: you take custody of other people's vehicles. If a customer's car is damaged, stolen, or burns while it's in your care, a standard general liability policy won't cover it — that's what Garagekeepers coverage is for. It's the single most important and most overlooked policy for a repair business.
On top of that, the shop floor is full of hazards. Lifts, hydraulics, power tools, solvents, and heavy parts mean real injury exposure for your techs, and your tools and equipment are a high-theft target. You also test-drive customer vehicles, which personal auto won't cover. Auto repair needs a purpose-built coverage stack.
Essential auto repair insurance.
- Garage Liability. Bodily injury and property damage from your operations — the foundation for a repair shop.
- Garagekeepers. Covers customers' vehicles in your care, custody, and control against damage, theft, and fire.
- Workers' Compensation. Medical bills and lost wages for lift, tool, burn, and lifting injuries on the shop floor.
- Commercial Auto. Shop trucks, loaners, and test-driving customer vehicles. Personal auto excludes business use.
- Property, Tools & Equipment. The building, lifts, diagnostic gear, and tools you depend on — theft, fire, and damage.
- Umbrella / Excess Liability. Extra limits over garage and auto for catastrophic claims.
Bundle for a lower combined premium.
Combining Garage Liability, Garagekeepers, Workers' Comp, Commercial Auto, and Property into a single package from one carrier commonly delivers a lower combined premium than standalone policies — plus one renewal cycle to manage. We build custom bundles across A-rated carriers that understand independent shops, body shops, and service centers, and bring you the actual number from current quotes.
Questions before the quote.
At minimum: Garage Liability, Garagekeepers, Workers' Comp, Commercial Auto, and Property/Tools coverage. Larger shops often add an Umbrella for extra protection.
Get a
today.bundle quote
Tell us about the shop — independent, body, or service center. We'll quote a garage bundle from carriers that understand the trade, same-day COIs included.