General Liability
Garage liability covers customer bodily injury, property damage, and completed operations claims at your shop.
Auto Repair Shop Insurance for Mechanics & Body Shops
Auto repair shops need specialized garage liability, garagekeepers coverage, and workers' comp. We compare multiple carriers to find the right coverage for your auto repair business.
Coverage
What does Auto Repair Shops insurance cover?
The right insurance program for your Auto Repair Shops business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Commercial Property
Protects your shop building, lifts, tools, diagnostic equipment, and parts inventory against damage and theft.
Workers' Compensation
Covers your mechanics for injuries from heavy equipment, chemicals, burns, and vehicle accidents in the shop.
Commercial Auto
Covers test drives, road calls, and vehicles driven by your employees during repairs and inspections.
Business Owners' Policy
Bundles general liability and property coverage for smaller auto repair businesses.
Who needs it
Who needs Auto Repair Shops insurance?
If you operate a Auto Repair Shops business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- General auto repair and service shops — Hold customers' vehicles daily, creating liability for damage, theft, and faulty workmanship claims.
- Auto body and collision repair shops — Handle high-value vehicles during repairs, increasing garagekeepers and completed operations exposure.
- Specialty repair shops (transmission, tires, brakes) — Face significant completed operations exposure when safety-critical repairs fail after a vehicle leaves the shop.
- Quick lube and oil change businesses — At risk for engine damage claims when incorrect fluids or incorrect service causes customer vehicle failure.
Why Ashmont Insurance Agency
The smarter way to insure your Auto Repair Shops business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Auto Repair Shops business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Auto Repair Shops coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Auto Repair Shops insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Auto repair shop insurance typically costs $2,000–$6,000 per year for general liability, property, and workers' compensation combined. Body shops and shops with higher vehicle values pay more. Ashmont Insurance Agency compares multiple carriers for competitive auto shop rates.
Garagekeepers liability insurance covers damage to customers' vehicles while in your care, custody, or control — such as fire, theft, or vandalism while the car is at your shop. It is separate from your general liability and is essential for any repair shop.
Yes. If your employees drive customer vehicles for test drives, road calls, or parts pickups, you need commercial auto (garage auto) insurance. Personal auto policies exclude business use and would not cover accidents during these activities.
Completed operations coverage protects you after repairs are complete — if a customer's vehicle has an accident caused by faulty workmanship, such as brake failure after a brake job or tire separation after a wheel replacement.
Yes. Ashmont Insurance Agency lets you compare auto repair shop insurance from multiple carriers online in minutes. We evaluate your shop size, services, vehicle values, and payroll to find your most competitive coverage options.
Ready to protect your Auto Repair Shops business?
Compare Auto Repair Shops insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.