Signs you need coverage
You almost certainly need auto repair shop insurance if you employ mechanics, keep customers’ vehicles overnight, lease your space, hold a repair or dealer license, or own shop vehicles. Each of those is a distinct exposure that a standard personal or generic business policy won’t address.
What’s at stake without it
A single damaged customer vehicle, an injured employee, or a liability claim can exceed what many shops keep in reserve. Workers’ comp is also legally required in most states once you have staff.
Where to start
Start with the coverage guide to see the lines, then get a quote spec’d to your shop.