Business Insurance for Auto Repair Shops and Mechanics

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Automotive Repair
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A mechanic at your shop could damage a car while moving it or repairing it. Car repair insurance, such as garage liability insurance, can help your business recover from a costly accident.

Mechanic working on blue car in a shop.
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Auto repair shops and mechanics can compare insurance quotes from top U.S. carriers with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do repair shops and mechanics need?

These policies provide coverage for the most common risks of auto repair.

General liability insurance icon

General liability insurance

General liability covers basic auto repair risks, such as customer vehicle damage on your premises. Bundle with property insurance for savings in a business owner’s policy.

  • Accidental customer injuries
  • Damage to vehicles at your shop
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for auto repair shops that have employees. It can cover medical costs for work-related injuries and illnesses.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance under one plan at a discount. This policy is one of the most cost-effective types of car repair insurance.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Commercial auto insurance icon

Commercial auto insurance

This policy covers injuries and property damage caused by an auto repair shop’s vehicle, as well as repairs to business vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

Why do auto repair shops and mechanics need insurance?

Repair shops often deal with a customer’s most valued possession. Accidental damage to a car or truck could result in costly repairs, or even a lawsuit. Auto repair insurance helps keep your business running smoothly despite accusations of faulty workmanship, fire, theft, or injuries.

How much does insurance cost for auto services and dealers?

Female mechanic holding clipboard considering auto costs.

Several factors will have an impact on insurance costs, including:

  • Auto services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Automotive Repair