Working on other people's cars involves a lot of risk. If a mechanic accidentally damages a customer's car, the result could be a lawsuit. Auto mechanic insurance can cover legal fees from an accident, property damage from a storm or fire, and the cost of recovering from a data breach.
These insurance policies cover the most common risks of auto repair.
General liability covers basic repair shop risks, such as when a customer slips during an oil change and suffers an injury. Add garage liability insurance to gain protection for customers' vehicles.
A business owner’s policy, or BOP, is a cost-effective way for auto repair shop owners to buy general liability coverage and commercial property insurance together.
This insurance 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.
Workers’ comp is required in almost every state for repair shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy helps auto repair shops recover financially from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.
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.
It’s easy to get insurance coverage as a mechanic or auto repair shop owner if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your automotive repair shop, whether you work independently or hire employees.