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

Compare Other Carriers for Auto Repair Shops

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