Affordable insurance starts with an easy quote
Garage Repair Shop Insurance is a specialized commercial policy designed for automotive service businesses, from general mechanics to body shops and detailers. Unlike standard business insurance, it combines “Garage Liability” (for your operations) with “Garagekeepers Legal Liability” (for customer vehicles), ensuring you are protected whether a customer slips in the waiting room or a mechanic accidentally backs a luxury sedan into a lift.
In the auto repair industry, you face a unique “bailee” exposure: you are legally responsible for high-value property (cars) that you do not own. A standard General Liability policy protects you if you damage a customer’s property while visiting, but it typically excludes damage to property in your “care, custody, and control.” If a fire sweeps through your bay overnight destroying three customer cars, or a test drive goes wrong, you are on the hook for the full replacement value. The Insurance Information Institute highlights that auto repair creates complex liability overlaps that require specialized wording to avoid massive coverage gaps.
We structure policies that protect your tools, your employees, and the vehicles entrusted to your care.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Standard General Liability | Garage Repair Package |
|---|---|---|
| Damage to Customer Cars | ✖ Excluded (Care/Custody) | ✔ Covered (Garagekeepers) |
| Test Drive Accidents | ✖ Excluded | ✔ Covered |
| Mechanic’s Tools Theft | ✖ Excluded | ✔ Covered (Inland Marine) |
| Broad Form Products | ✖ Limited | ✔ Covered |
“How much does garage insurance cost?” Premiums are calculated based on your payroll, gross revenue, and the limit you need for customer vehicles (e.g., storing $500k worth of cars vs. $50k).
We don’t just insure the building; we insure the reputation you’ve built under the hood. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
Request Quote
Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
Experience the Value of
an Independent Agency
