What is auto repair shop insurance?
A coordinated set of coverages protecting a repair business: garage liability, garagekeepers, tools and equipment, workers’ compensation, and commercial auto, with cyber and EPLI often available by endorsement.
Is garagekeepers the same as garage liability?
No. Garage liability covers third-party injury and property damage from your operations; garagekeepers covers physical damage to a customer’s vehicle in your care, custody, or control. Many shops carry both.
Are customers’ cars automatically covered?
Not automatically. Garagekeepers generally applies where the shop is legally liable, and the breadth depends on whether the form is legal-liability, direct-primary, or direct-excess. Coverage is governed solely by the terms of the issued policy.
How much does auto repair shop insurance cost?
It varies by payroll, revenue, bays, services, claims history, and state. There is no flat rate; a real figure comes from a quote built on your shop’s specifics.
Is workers’ comp required for a repair shop?
In most states, once you have employees — the requirement is statutory and varies by state. Confirm your state’s rules.
What insurance does an auto body shop need?
Typically larger garagekeepers limits (cars held longer), garage liability, tools and equipment, and workers’ comp, with attention to paint and solvent exposures.
Can I lower my premium?
Documented safety practices, a clean claims history, and appropriate limits can factor into pricing. These improve insurability but are not a guaranteed discount; pricing is set at underwriting.
Does the policy cover my tools?
Tools and equipment coverage protects owned business gear, on a scheduled or blanket basis. Whether specific or personal tools are covered depends on the policy; confirm at quote.
What states do you write in?
Availability varies by state and is confirmed against the program. See the states page.
Are you the insurance company?
We are a program administrator, MGU, and retail broker — we place coverage with carrier partners based on your risk. Coverage is governed solely by the terms of the issued policy.