Source: Carrier website and product data
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
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