Coverage built for the cars you don't own
A customer's transmission on your lift, a shop fire that spreads to vehicles waiting for pickup, a tech injured under a hoist — repair shop risk isn't like other small businesses. We connect you with specialists who price it correctly.
What garage liability & franchise agreements require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- Garage liability — covers your shop operations, distinct from a standard general liability policyRequired
- Garagekeepers coverage for customer vehicles damaged, stolen, or destroyed while in your careRequired
- Workers' comp for technicians working around lifts, tools, and vehicle fluids, required in nearly every stateRequired
Licensed Auto Repair Shop Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What auto repair shops need to be covered
Every vehicle in your bay belongs to someone else, which is exactly why a standard business policy falls short for auto repair. Garage liability and garagekeepers coverage are built around the fact that customer property — not just your own — sits on your lot every day. The right program protects your bay, your techs, and the cars you're trusted to fix.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Garage Liability & Garagekeepers
Covers liability from operating an auto-service business plus damage to customer vehicles left in your care, custody, or control.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Where auto repair shops get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksDamage to a customer's vehicle in your care
Standard general liability typically excludes vehicles in your custody, care, or control. Garagekeepers coverage fills that exact gap — a dropped transmission or a lift malfunction is a garagekeepers claim, not a GL claim.
Shop fires spreading to vehicles awaiting pickup
A fire that starts in a bay can total every car on your lot, not just your own equipment. Commercial property plus garagekeepers coverage responds to both your building and the customer vehicles inside it.
Technician injuries under lifts and rolling equipment
Hoists, jacks, and heavy rolling tool chests make repair bays a higher-injury environment than a typical retail floor. Workers' comp covers medical costs and lost wages when a tech is hurt on the job.
"Comebacks" and faulty-repair claims
A brake job or repair that fails after the customer drives away is a completed-operations claim under general liability — coverage that follows the work past the day you handed back the keys.
Why auto repair shops can't skip coverage
- Standard general liability policies commonly exclude damage to vehicles in your care, custody, or control — garagekeepers coverage is what actually protects a customer's car on your lot.
- Many state licensing programs and manufacturer/franchise repair-network agreements require proof of garage liability before you can operate under their certification.
- Workers' compensation is required almost everywhere once a technician is on payroll, and lift and hoist work carries real injury exposure.
By the numbers
$38/mo
Avg. garagekeepers premium
174K+
U.S. auto repair shops
70+
Specialists in our network
Auto Repair Shops insurance FAQ
Garage liability covers your shop's operations — third-party injury or property damage from your work. Garagekeepers coverage specifically protects customer vehicles left in your care, which a standard GL policy typically excludes.
Get matched with a auto repair shop specialist
Share a few details and a licensed agent who understands auto repair shops will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state