The Hartford: Auto Repair Shops Insurance Appetite

The Hartford explicitly targets business services (includes auto repair, cleaning, moving companies) as a focus segment. 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

48 states + DC (excludes AK, HI)

Key Features

Workers’ Compensation Insurance program – Helps compensate employees for work-related injuries or illnesses, covering medi for auto repair shops class codes
The Hartford offers on-hook towing coverage for shops that offer tow service
The Hartford offers 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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