Source: Carrier website and product data
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
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