Acuity: Auto Repair Shops Insurance Appetite

Acuity explicitly targets auto repair shops as a focus segment. Garage keepers is the essential coverage – protects against claims for damage to customer vehicles on your lot or in your shop

Available Lines

Line of Business
General Liability
Commercial Property
Workers' Compensation
Commercial Auto

Premium Range

$4,000-$22,000

Typical annual premium

Target States

29 states (Midwest and select Eastern states)

Key Features

Workers' Compensation program – Coverage for employee injuries on the job, including access to the Acuity Nurse for auto repair shops class codes
Acuity offers on-hook towing coverage for shops that offer tow service
Acuity offers equipment breakdown covering lifts, compressors, and diagnostic equipment
Online quoting available – agents can get auto repair shops quotes without calling underwriting

Limitations

Standard BOP does NOT cover auto repair operations – requires garage-specific policy form
Body shops with paint spray booths face additional fire underwriting and may require separate placement
Performance modification and custom fabrication work is excluded by most standard markets

Compare Other Carriers for Auto Repair Shops

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