Source: Carrier website and product data
Erie Insurance: Auto Repair Shops Insurance Appetite
Erie Insurance explicitly targets auto services 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
12 states: DC, IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI
Key Features
- Workers' Compensation program — Provides coverage for medical care and lost wages for employees injured on the j for auto repair shops class codes
- Erie Insurance offers on-hook towing coverage for shops that offer tow service
- Erie Insurance 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
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