Auto Repair Shops Insurance
Coverage recommendations, carrier options, and cost estimates for insuring auto repair shops businesses. Built for independent agents quoting this class.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Auto Repair Shops businesses, key exposures include customer vehicle damage while in custody. Common claims include damage to customer vehicle while in shop.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Garage Keepers Liability
essentialGarage Keepers Liability provides specialized coverage tailored to the risks Auto Repair Shops businesses face.
Varies by carrier and state
Varies by business size and risk profile
Commercial Property
recommendedPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism). For Auto Repair Shops businesses, key exposures include fire risk from flammable materials. Common claims include damage to customer vehicle while in shop.
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
$750 - $5,000/year for small businesses; varies widely based on property values, construction type, and location
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Auto Repair Shops businesses, key exposures include employee injury from heavy equipment. Common claims include employee injury from lift or tools.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Commercial Auto
situationalLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. For Auto Repair Shops businesses, key exposures include customer vehicle damage while in custody. Common claims include damage to customer vehicle while in shop. Agent note: Standard BOP does NOT cover auto repair operations — need garage-specific policy
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- Customer vehicle damage while in custody
- Environmental contamination from fluids
- Fire risk from flammable materials
- Employee injury from heavy equipment
- Completed operations (post-repair failure)
Carriers That Write Auto Repair Shops
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $500K - $3M revenue
Key Pricing Factors
- Annual revenue ($500K - $3M is typical for this class)
- Employee count (5-20 is typical)
- Number of bays
- Services offered (body work, painting, mechanical)
- Customer vehicles on premises at peak
- Environmental compliance
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our auto repair shops insurance cost page.
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