GUARD Insurance: Auto Repair Shops Insurance Appetite

GUARD Insurance explicitly targets auto service 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

All 50 states + DC

Key Features

Workers’ Compensation program – Covers medical expenses and lost wages from job-related injuries/illnesses with for auto repair shops class codes
GUARD Insurance offers on-hook towing coverage for shops that offer tow service
GUARD 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

Compare Other Carriers for Auto Repair Shops

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