Auto service insurance, for the bays and the vehicles in your care.
Auto service businesses, from tire and quick-lube to detailing and full service, take custody of customers' vehicles and run equipment-heavy shops. That creates garage liability and garagekeepers exposure that a standard general liability policy is not built for.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
Where auto service risk shows up
The defining exposure is damage to a customer's vehicle while it is in your care, custody, or control, which garagekeepers coverage is designed to address. Add premises injury, faulty work allegations, fire from the work you do, and employee injury in a physical shop.
Many shops also move customer vehicles on public roads or have shop trucks, which brings commercial auto into the picture.
Coverage that commonly applies
Garage liability covers the shop's operations and premises. Garagekeepers covers customer vehicles in your custody. Commercial property covers your building, lifts, and tools. Workers compensation is required once you have employees.
A commercial umbrella adds limit for the larger claims that a busy shop can face, and cyber coverage is worth considering if you store customer data or run a shop management system.
When it is worth a review
Review your coverage when you add services, take on higher-value vehicles, expand your bays or tooling, add shop vehicles, or hire, since each can change the limits and forms you should carry.
Common questions.
What is the difference between garage liability and garagekeepers?
Does my general liability cover customer cars?
Do I need commercial auto if we only move cars on the lot?
Not sure your coverage fits how you operate?
We will walk through your premises, employees, property, vehicles, services, and any lease or contract requirements, then show you the areas worth a closer look. Educational, not a quote.
Auto service insurance, for the bays and the vehicles in your care.
Tell us about your business and we will give you a straight read on coverage, gaps, and the right next step. No pressure, no obligation.