The Hanover: Auto Repair Shops Insurance Appetite

Available Lines

Key Features

• Workers' Compensation program – Coverage for medical costs and lost wages for employees injured on the job, with for auto repair shops class codes
• The Hanover provides on-hook towing coverage for shops that offer tow service
• The Hanover provides 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