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Recommended insurance policies for automotive professionals
Your small business can survive the unique risks of the auto industry with coverage for vehicle damage, injuries, and more. Having the right insurance gives you peace of mind and financial protection against the unexpected.
General liability insurance
This policy covers basic auto service and dealer risks, such as a customer injury at a repair shop. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Customer injuries at a repair shop
- Accidental vehicle damage
- Slander and other advertising injuries
Workers’ compensation insurance
Workers’ comp is required in almost every state for auto shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Business owner’s policy
This policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of auto shop insurance.
BEST FOR
- Customer injuries
- Damaged customer vehicles
- Damaged business property
Commercial auto insurance
Commercial auto insurance for repair shops and dealers can pay for property damage and medical bills in an accident. It also covers vehicle theft, vandalism, and weather damage.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How much does insurance cost for auto services and dealers?
Several factors will have an impact on insurance costs, including:
- Automotive services offered
- Shop or dealership equipment and property
- Revenue
- Location
- Number of employees
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