Specialized garage liability and garagekeepers coverage for auto repair shops, body shops, and service centers. We understand the risks your shop faces every day.
Auto repair shops face a unique set of risks every day. Customer vehicles are in your care, employees work with hazardous equipment, and completed repairs carry liability if something goes wrong after the customer drives away. A properly structured insurance program protects your shop from all of these exposures.
The most important thing to understand: repair shops need garage liability insurance, not general liability. General liability policies exclude the specific risks of automotive repair — including damage to customer vehicles, completed operations liability for faulty repairs, and injuries caused by automotive hazards. Using a general liability policy for a repair shop is one of the most dangerous coverage mistakes in the industry.
As agents focused on garage and dealer insurance, we understand the specific coverages your shop needs — and we work with 100+ A-rated carriers to find the best program for your operation.
Types of Shops We Cover
General auto repair shops
Auto body and collision shops
Oil change and lube shops
Tire shops and alignment centers
Transmission repair shops
Muffler and exhaust shops
Brake repair shops
Engine rebuild shops
Custom fabrication shops
Detailing shops
Diesel and heavy truck repair
Motorcycle repair shops
Coverage Options for Repair Shops
Garage Liability
Core liability for bodily injury and property damage from your repair operations, including products-completed operations for faulty repairs.
Garagekeepers Legal Liability
Covers customer vehicles in your care, custody, or control — essential for any shop that holds customer vehicles overnight or for extended periods.
Commercial Property
Protects your building, equipment, tools, lifts, and business personal property against fire, theft, and other covered perils.
Commercial Auto
Coverage for your shop vehicles, road test drives, and vehicles driven for business purposes.
Workers' Compensation
Required in most states — covers employees injured on the job in your shop, including cuts, burns, and equipment-related injuries.
Business Income / Business Interruption
Replaces lost income if your shop must close due to a covered loss such as fire or major equipment failure.
Products-Completed Operations
Covers liability if a customer suffers injury or property damage because of a faulty repair or defective part you installed.
Umbrella / Excess Liability
Additional liability limits above your primary garage liability policy — critical for shops with high customer volume.
Common Claims Scenarios for Repair Shops
Understanding which coverage responds to which claim helps you make sure you have the right program in place:
Customer vehicle damaged while in your care
Coverage: Garagekeepers Legal Liability
Hailstorm damages 8 customer vehicles on your lot overnight
Customer injured by slip/fall in your shop
Coverage: Garage Liability
Customer slips on oil spill in your waiting area
Faulty repair causes an accident
Coverage: Products-Completed Operations
Brake job failure causes customer's accident a week later
Employee injured by shop equipment
Coverage: Workers' Compensation
Technician injured by lift malfunction
Fire destroys shop and equipment
Coverage: Commercial Property + Business Income
Electrical fire destroys lifts, tools, and inventory
How Much Does Repair Shop Insurance Cost?
Repair shop insurance costs depend on your shop size, number of employees, annual revenue, and the value of customer vehicles typically on your premises. Here are typical ranges:
Shop Size
Garage Liability
Garagekeepers
Est. Total
Small shop (1–2 bays, 1–3 employees)
$1,200–$2,500/yr
$500–$1,200/yr
$1,700–$3,700/yr
Mid-size shop (3–5 bays, 4–8 employees)
$2,500–$5,000/yr
$1,200–$2,500/yr
$3,700–$7,500/yr
Large shop (6+ bays, 9+ employees)
$5,000–$12,000/yr
$2,500–$5,000/yr
$7,500–$17,000/yr
Auto body / collision shop
$3,500–$8,000/yr
$2,000–$4,500/yr
$5,500–$12,500/yr
Estimates only. Actual premiums depend on your specific operation, location, and claims history. Contact us for an accurate quote.
The most common gap we see in repair shop policies: garagekeepers limits that are too low.
If you have 20 customer vehicles on your lot worth an average of $18,000 each, your exposure is $360,000. A $100,000 garagekeepers limit leaves $260,000 uninsured.
