Am I covered if a repair I did causes an accident later?

Completed-operations and faulty-work allegations are complex and depend on policy forms and facts. It is worth reviewing how your program addresses work-related claims rather than assuming standard liability responds.

How much property coverage do I need for my tools?

Enough to replace your lifts, diagnostic equipment, and tools at today's cost. Many shops underinsure equipment, so it is worth valuing what you actually own.

Does garagekeepers cover a car damaged on a test drive?

Garagekeepers is designed for damage to vehicles in your care, which can include test drives depending on the form and circumstances. The specifics should be confirmed for your policy.

Auto Repair Shop Insurance - Vantage Point Risk

Auto repair shop insurance, for custody, comeback, and crew.

Repair shops carry everything an auto service business does, plus heavier exposure from the work itself: a repair that fails, a vehicle damaged on a test drive, and the tools and diagnostic equipment a modern shop depends on.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

A repair shop program is usually built on garage liability and garagekeepers, with strong property limits for tools and equipment, workers compensation for technicians, and faulty-work considerations reviewed against the work you do.

Where repair shop risk shows up

Beyond customer-vehicle custody and premises injury, repair shops face faulty-workmanship and completed-operations allegations when a repair is blamed for a later loss. Fire from welding, fuel, and electrical work is a real property exposure.

Tools, lifts, and diagnostic systems represent significant value, and downtime after a fire or equipment loss can close the shop, which makes property and business interruption worth getting right.

Coverage that commonly applies

Garage liability and garagekeepers handle operations and customer-vehicle damage. Commercial property and equipment coverage protect your building, lifts, and tools. Workers compensation covers technician injuries. A commercial umbrella adds limit.

Cyber coverage is worth considering if you run shop management software or store customer information.

When it is worth a review

Review your coverage when you add specialties such as bodywork or EV service, invest in new equipment, take on fleet accounts, or hire, since each shifts your exposure and the limits you should carry.

Auto repair shop insurance, for custody, comeback, and crew.

Where repair shop risk shows up

Coverage that commonly applies

When it is worth a review

Common questions.

Not sure your coverage fits how you operate?

Keep going.

Commercial Property

Workers Compensation

Commercial Auto

Business Owners Policy

Auto repair shop insurance, for custody, comeback, and crew.