Source: Carrier website and product data
Cincinnati Financial: Auto Repair Shops Insurance Appetite
Cincinnati Financial writes auto repair shops at standard terms for clean accounts. Cincinnati Financial's underwriting targets well-established auto repair shops businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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
$4,600-$26,400
Typical annual premium
Target States
44 states
Key Features
- Workers' Compensation program — Coverage for employee injuries and illnesses occurring on the job for auto repair shops class codes
- Cincinnati Financial provides on-hook towing coverage for shops that offer tow service
- Cincinnati Financial provides equipment breakdown covering lifts, compressors, and diagnostic equipment
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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