Auto-Owners Insurance: Auto Repair Shops Insurance Appetite

Auto-Owners Insurance explicitly targets auto dealerships 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
Garage Keepers Liability

Premium Range

$4,000-$22,000

Typical annual premium

Target States

26 states (Midwest, Southeast, Mid-Atlantic)

Key Features

Contractor Insurance program – Specialized coverages and custom policies to fit the unique needs of every contr for auto repair shops class codes
Workers' comp for 5-20 employees with experience mod-based pricing
Auto-Owners Insurance offers garage keepers liability covering customer vehicles while in care, custody, and control
Auto-Owners Insurance offers on-hook towing coverage for shops that offer tow service

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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