Auto Body Shop Insurance, Auto Service & Garage & Liability Mechanics E&O

Auto Service and Repair Insurance & Auto Body Shop Insurance

Available in all states except AK, FL, HI, LA, and TX

Auto Service & Repair Insurance Quote

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If you own an auto repair shop or body shop, you understand the unique risks you run on a daily basis. It’s bad enough having a customer’s $40,000 car on your lift or sitting in your parking lot, but add in the dangers when customers roam where they should not, and you have a recipe for disaster.

To protect you and your business, our agency has been providing full featured auto repair shop insurance (also known as garage insurance) to business owners throughout the United States. This is the insurance geared to your kind of business, with the unique protections you need to avoid unforeseen financial loss due to on-site accidents or other causes. We do our best to get you the best most competitive quote to fit your business needs. Insurance shouldn't be complicated and neither should the process to purchase insurance.

The kinds of coverage we provide include:

• General and Umbrella Liability

• Auto and Fleet Liability

• Property/Cargo Insurance

• Crime Insurance

• Workers’ Comp

Don’t Go Unprotected. Contact Us Today.

Call one of our garage insurance specialists and get your business fully protected against disastrous loss—or even those “smaller” losses that can cost you $1000’s—small only in comparison with what could happen. Call or email us today, or fill out the form above for immediate response.

Auto Service & Repair Insurance Quote

call today 1-888-254-0089

 

Eligibility Requirements

Available in all states except AK, FL, HI, LA, and TX

Eligible auto service risks (non-dealer operations) include  repair shops with tune-ups, breaks, transmission, lube & oil, auto body, glass and engine repair, detail and similar types of operations, such as following business types:

Eligible Businesses:

• Service stations (Sweet Spot)

• Convenience stores selling gas (Sweet Spot)

• Car washes including 24/7 operations (Sweet Spot)

• Auto service centers

• Auto body shops

• Full service gas stations

• Car wash and detailing

• Self Service gas stations with mini-mart

• Trailer repair - boat and/or utility

• Transmission, muffler and brake shops

• Truck repair (Light and medium duty vehicles)

• Quick change lube shops

• And many more - call for details

• Targeted CLASSES

•  General automotive repair

•  Auto body & collision repair

•  Retail tire stores

•  Auto parts & accessories stores (new parts)

•  Oil & lube shops

•  Brake, transmission and muffler shops

•  Auto glass repair/installation

•  Vehicle sound/alarm system installation

Ineligible Businesses:

• Auto Sales New or Used

• Emergency Vehicle Repair

• Boat, RV, Motorcycle and ATV repair

• Auto Rental and Leasing

• Used Auto Part stores, yards, salvage yards

• Impound storage lots

• Auto valet service

• Towing Only Operations 

Auto Service & Repair Insurance Quote

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• General Liability up to 4 million

• Garage Keepers Insurance to protect vehicles in your possession

• Commercial Auto Liability and Physical Damage to protect your vehicles

• Personal Injury Liability to protect your company from lawsuits

• Contractual Liability to protect you from disputes

• Buildings coverage up to 15 million

• Furniture, Fixtures, Machinery and Equipment up to 5 million

• Gas Pumps and Tanks, Gas in Ground to protect your gas station

• Employee Tools

• Business Income Insurance

• Leasehold Improvements

• Stock of Merchandise

• Crime

• Accounts Receivable

• Plate Glass and Neon Signs

• Employee Benefit Liability

• Employment Practices Liability

• Umbrella Liability

• Special Coverages

• Workers Compensation

• Commercial General Liability
• Commercial Auto Liability
• Non-owned Auto Liability
• Contingent Auto Liability
• Mechanics Errors and Omissions
• Dealer's Errors and Omissions Liability
• Garage Keeper's Legal liability

Key COVERAGES

• Garage and General Liability - Mechanics E&O

  Employee Benefits liability

• Business Income and Extra Expense – Actual Loss Sustained

• Equipment Breakdown Protection

• Building and Business Personal Property - No coinsurance provision

• Limited Discrimination Coverage option

• Crime – employee dishonesty, forgery or alteration, money and securities

• Business auto liability and physical damage

• Garage keeper’s liability (direct or legal liability basis)

 Blanket Waiver of Subrogation available

• Umbrella liability limits up to $5 million

$750 minimum premium

Dealers Open Lot available for Auto Body Service Shops with Dealerships , We can Combine the Coverages . 

Targeted CLASSES • General automotive repair • Auto body & collision repair • Retail tire stores • Auto parts & accessories stores (new parts) • Oil & lube shops • Brake, transmission and muffler shops • Auto glass repair/installation • Vehicle sound/alarm system installation

ELIGIBLE

• Repair on vehicles less than 20,000 lbs.
• Incidental used auto sales, gas sales, car washes and roadside repair
• Loaner vehicles as scheduled autos
• Incidental towing considered (up to 3 tow units per location)
• Auto detailing and window tinting
• Shuttle service within general area of repair facility
• Limited used tire sales

INELIGIBLE

• Heavy duty truck repair
• Remanufacturing, modifications, alterations or rebuilding of parts/products
• Salvaged title vehicle sales
• Motorcycles service, repair and/or parts retail
• Fabricators/End Stage Manufacturers
• Residential or habitational properties
• Tire retreading operations

COVERAGE HIGHLIGHTS • Garage and General Liability – Mechanics E&O – Employee Benefits liability • Business Income and Extra Expense - Actual Loss Sustained • Equipment Breakdown Protection • Building and Business Personal Property – Includes foundation and glass – No coinsurance provision – Coverage for vacant land and leased properties • Employee Tools, Exterior Signs, Ordinance or Law, Demolition Costs and Debris Removal • Crime - Employee Dishonesty, Forgery or Alteration • Customer Complaint Defense option

Commercial Auto:

• Business auto liability and physical damage • Garage keeper’s liability (direct or legal liability basis); – Blanket Waiver of Subrogation available • Incidental used auto sales (less than 20% of revenue) • Up to 3 towing units per location (less than 25% of revenue) • Dealer/Repair/Transport tags

KEY COVERAGES • Garage and General Liability - Mechanics E&O - Employee Benefits liability • Business Income and Extra Expense – Actual Loss Sustained • Employee tools covered within BPP • Equipment Breakdown Protection • Building and Business Personal Property - No coinsurance provision • Crime – employee dishonesty, forgery or alteration, money and securities • Business auto liability and physical damage • Garagekeepers liability (direct or legal liability basis) • Umbrella (except tow risks)

WHY CHOOSE US: Decades of industry expertise First-rate service Top-rated insurance company

call today 1-888-254-0089