Kinsale Capital: Auto Repair Shops Insurance Appetite

Available Lines

Key Features

• Auto Repair Shops class is accepted with standard pricing
• Kinsale Capital provides garage keepers liability covering customer vehicles while in care, custody, and control
• Kinsale Capital provides on-hook towing coverage for shops that offer tow service
• Kinsale Capital provides equipment breakdown covering lifts, compressors, and diagnostic equipment
• Online quoting available – agents can get auto repair shops quotes without calling underwriting

Limitations

• No workers' compensation available – agents need a separate WC carrier for auto repair shops employees
• 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