Resources
Repair Shop Insurance Guides
Clear explanations for owners and managers of auto repair, service, and body shops. Start with the question you have, or browse by coverage or shop type.
Guides
Answers to the questions shop owners ask most — what things cost, what’s required, and which policy responds when something goes wrong.
- How Much Does Repair Shop Insurance Cost?What drives the price of each coverage, and practical ways to keep premiums in check.
- Auto Repair Shop Insurance RequirementsWhat the law usually requires, what contracts ask for, and how to choose limits.
- Are Customers’ Cars Covered During Road Tests?Which coverage responds to each part of a road-test accident, and how to reduce the risk.
- Faulty Workmanship CoverageWhy redoing your own work usually isn’t covered, and when resulting damage may be.
- Lease Requirements & Certificates of InsuranceDecoding a lease’s insurance section and getting certificates right the first time.
Coverage explained
What each type of coverage does for a repair shop, what it usually doesn’t cover, and how the pieces fit together.
- Garage Liability InsuranceLiability built around garage operations, and how it compares with general liability.
- General Liability InsuranceWhat a CGL policy covers for a repair shop, how its limits work, and its three big gaps.
- Garagekeepers InsuranceCoverage for customers’ vehicles in your care, including legal liability vs. direct options.
- Property & Equipment InsuranceYour building, equipment, parts, and business income after a covered loss.
- Tools & Equipment InsuranceInland marine coverage that follows tools and diagnostic equipment wherever they go.
- Workers’ CompensationEmployee injury coverage, how premium is calculated, and contractor pitfalls at audit.
- Commercial Auto InsuranceShop-owned vehicles, employees’ cars used for errands, and driving customers’ vehicles.
- Umbrella InsuranceExtra liability limits above your general liability, auto, and employers liability.
Insurance by shop type
The exposures that set each kind of automotive business apart, and what insurance companies will want to know.
- Auto Body & Collision Shop InsurancePaint booths, longer vehicle stays, structural repairs, and the coverage body shops need.
- Tire Shop InsuranceWheel-off claims, tire inventory, rim-service injuries, and roadside tire work.
- Transmission Shop InsuranceHigh-value repairs, rebuilt units, comebacks, and vehicles in the shop for days.
- Oil Change & Quick Lube InsuranceHigh-volume bays, service pits, used-oil storage, and drain-plug comebacks.
- Brake & Muffler Shop InsuranceSafety-critical brake work, cutting and welding on exhaust systems, and completed operations.
- Auto Electrical Shop InsuranceDiagnostics, accessory installation, hybrid and EV systems, and electrical fire risk.
- Auto Glass Shop InsuranceMobile installs, windshield replacement, camera calibration, and install vans.
- Mobile Mechanic InsuranceLiability, tools on the road, and your service vehicle when the job comes to you.
Get a Quote
Ready when you are.
Tell us how to reach you and which coverages you’re interested in, and we’ll start reviewing insurance options for your business.