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Business Insurance for Auto Repair Shops and Mechanics
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Save money by comparing insurance quotes for repair shops
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.
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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
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.
BEST FOR
- Accidental customer injuries
- Damage to vehicles at your shop
- Libel or slander lawsuits
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
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.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
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.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Vehicle theft and vandalism
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:
- Auto services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
What our customers are saying
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.