Business Insurance for Auto Repair Shops and Mechanics

Compare multiple quotes from top carriers with one application.
Or call us at (800) 688-1984
Two mechanics fixing car in a workshop.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

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.

Mechanic working on blue car in a shop.
Compare insurance quotes icon

Compare quotes from trusted U.S. carriers

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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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
View Costs
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo

Top auto services and dealers we insure

Red car with soap suds and bucket at car wash.Auto detailing and car washesRed car filling up at a gas station.Gas stations

Don't see your profession? Don't worry. We insure most businesses.

Compare auto repair business insurance quotes
Save money by comparing insurance quotes from multiple carriers.