Hiscox: Auto Repair Shops Insurance Appetite

Hiscox can write auto repair shops accounts but this is not a focus segment – best used when the account has other lines already placed with Hiscox or when primary markets have declined. 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

$6,000-$26,400

Typical annual premium

Target States

All 50 states

Key Features

Workers Compensation Insurance program – Protection for employees who are injured or become ill on the job, covering medi for auto repair shops class codes
Hiscox provides on-hook towing coverage for shops that offer tow service
Hiscox provides equipment breakdown covering lifts, compressors, and diagnostic equipment
Online quoting available – agents can get auto repair shops quotes without calling underwriting

Limitations

Auto Repair Shops is not a target class for Hiscox – expect longer underwriting timelines and less flexible eligibility
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

Compare Other Carriers for Auto Repair Shops

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