Selective Insurance: Auto Repair Shops Insurance Appetite

Selective Insurance writes auto repair shops at standard terms for clean accounts. 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

$4,600-$26,400

Typical annual premium

Target States

25 states (Northeast, Mid-Atlantic, Southeast, Midwest)

Key Features

Workers Compensation Insurance program – Protects employees and the business in case of workplace injury, covering medica for auto repair shops class codes
Selective Insurance provides on-hook towing coverage for shops that offer tow service
Selective Insurance 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

Compare Other Carriers for Auto Repair Shops

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