Insurance for Auto Repair Shops
Explore insurance for mechanical work, shop equipment and customer vehicles left in your care.
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Start with the repairs you perform
Routine servicing, diagnostics and major mechanical work should be described, along with test drives and vehicle pickup. A shop that adds services needs more than a broad automotive label on its quote. Explain overnight storage and the number and value of customer vehicles held.
Keep garage risks separate from your own vehicles
Ask about garage liability and garagekeepers protection for customer vehicles. Neither should be assumed to follow automatically from an ordinary property policy. Commercial auto is a separate discussion for vehicles your business owns or uses, not a substitute for reviewing cars in your custody.
Coverage to consider
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.
Commercial auto: Business driving should reflect vehicle ownership, drivers and use. Do not assume a personal policy or premises policy addresses every business trip.
Related business guidance
Opening a business? Read insurance for a new business. You can also browse all industries or find your city in Areas We Serve.
Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
What is the garagekeepers question for a repair shop?
It concerns damage to customer vehicles in your custody, with coverage depending on the selected terms and conditions.
Should test drives be disclosed?
Yes. Describe who drives and when, including pickup or delivery services.
What if customers supply their own parts?
Disclose it and ask how the policy treats work involving parts you did not source, including any related exclusions.