LIC# 0M71320
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Auto Repair Shop Insurance

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Browne Insurance

Auto Repair Shop Insurance Provided By Our Agency

Local drivers depend on you for quality auto repair service to get them back behind the wheel fast. Any number of events can threaten your day-to-day operation. A garage repair shop insurance can help pay for repairs or settle damages that might otherwise seriously threaten your business.

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Business property
Commercial General Liability
Business Auto
Workers’ Compensation
Property of others

Business property insurance coverage

Risk Factors

It protects you if a fire, vandalism, smoke, theft, or other event damages your property.


It covers lost inventory, office equipment, computers, and more. Most business property policies also include business income coverage. This pays for rent, employee salaries, and other expenses if your shop must close temporarily due to an unforeseen disruption.

Commercial general liability coverage

Risk Factors

It protects the most basic liability issues a garage or auto repair shop could face.


It protects you from the costs of lawsuits related to accidents, property damage, and various other mishaps. In addition, you should consider garage liability insurance, which provides several forms of liability insurance more specifically designed for the needs of garage and auto body shop owners.

Business auto insurance coverage

Risk Factors

Auto repair shops need to cover any vehicles that their business owns.


This covers all your business auto like Towing vans, vans, etc. In addition, you need non-owned auto insurance if you have employees who drive their vehicles for business purposes.

Workers’ compensation insurance coverage

Risk Factors

Accidents happen, even in the safest workplaces. Auto repair shops are dangerous places, particularly for the employees who do the work.


Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for injured workers who cannot work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

Property of others coverage

Risk Factors

An employee gets into a fender-bender while test-driving a customer vehicle he just serviced and damages their vehicle.


This coverage protects the business from associated liability. Depending on how the insurance policy is written, damage to your client’s vehicle is usually provided under the garage keepers portion of the policy.

What is Auto Repair Shop Insurance?

Auto Repair Shop Insurance protects against a variety of liabilities often faced by garage owners and repair shops. These liabilities include things like customer slips and falls or damages resulting from faulty work. A single accident can result in a lawsuit that damages a business beyond repair, so it’s important to have accurate and sufficient coverage in place.

Who needs Auto Repair Shop Insurance?

Businesses that have a physical location such as a garage, parking lot or storage area used to repair or store vehicles usually need garage insurance. This includes:
  • Automotive repair shops
  • Body shops
  • Tow or impound lots
  • Muffler shops
  • Transmission shops
  • Auto dealerships
  • Tire and battery repair facilities
  • And many more

What are the different types of risks covered by Auto Repair Shop Insurance?

Automotive repair shops, car mechanics and auto body shops are not only entrusted to fix their customers’ cars, but they are also entrusted to keep those cars safe while in their control. In addition, auto repair shops face the following types of business risk:
  • Slips and falls
  • Worker illness or injury
  • Faulty workmanship or parts
  • Fire, bad weather, vandalism or theft
  • Damage to a customer’s vehicle while in your care
  • Employee theft or crime
  • Business interruption

You need a variety of business insurance policies to protect your business from these risks. In addition, garage liability insurance and garage keepers insurance help you protect your customers’ property and your business in the wake of accidents, injuries or property damage.

What are the different types of Auto Repair Shop Insurance coverages?

Since garages vary significantly in the services they provide, you must work with independent insurance agent to determine if you need some type of specialty insurance product.

Some of the insurance coverage you should consider are
  • Business property insurance
  • Commercial general liability (CGL) insurance
  • Business owners policy
  • Employee theft and crime coverage
  • Business auto insurance

These special products combine relevant business insurance policies into one comprehensive package that includes coverage such as the following:

  • Tow Truck Insurance
  • Body Shop Insurance
  • Repair Shop Insurance
  • Muffler Shop Insurance 
  • Radiator Services Insurance
  • Transmission Repair Insurance

To learn more about what we can do for your auto service and repair shop, call us today!

Already have Auto Repair Shop Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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About Browne Insurance Services

Browne Insurance Services helps you choose from a variety of personal insurance and business insurance solutions.

LIC# 0M71320
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.
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