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Auto Services and Dealers Business Insurance
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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
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
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
Cyber liability insurance
This policy helps automotive businesses recover from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
Commercial umbrella insurance
This policy boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.
BEST FOR
- Multi-vehicle auto accidents
- Customer injury lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
Does my auto service business need commercial auto insurance?
Automotive businesses that purchase commercial auto insurance often:
- Have a vehicle titled to their business
- Drive to and from worksites
- Carry tools, equipment, or products used for work
- Transport clients or employees
- Rely on delivery drivers or couriers
Check the laws in your state to see when coverage is required.
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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