Source: Carrier website and product data
Insureon: Auto Repair Shops Insurance Appetite
Insureon explicitly targets auto services and dealers as a focus segment. As a marketplace, Insureon can access multiple carrier panels — helpful when the auto repair shops account has unusual exposures that standard markets decline. 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 Insurance program — Covers employee medical bills and lost wages for work-related injuries and illne for auto repair shops class codes
- Insureon offers on-hook towing coverage for shops that offer tow service
- Insureon offers equipment breakdown covering lifts, compressors, and diagnostic equipment
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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