Auto Repair Shop Insurance - Garage Liability, Garagekeepers, and Automotive Service Coverage
Insurance for Auto Repair Shops and Automotive Service Businesses
Garage liability, garagekeepers, commercial property, and comprehensive garage package programs for auto repair shops, body shops, dealerships, and automotive service businesses.
From independent repair shops to multi-location dealership groups - we build insurance programs that protect your shop, your customers' vehicles, and your employees.
Deep Industry Expertise for Auto Repair Businesses
Auto repair shops and automotive service businesses face a unique combination of liability exposures that standard commercial insurance programs are not designed to address. A customer's vehicle damaged in the shop, a technician injured on a lift, a fire that destroys the building and every vehicle inside, or a fuel spill that contaminates the soil beneath the shop can generate losses that threaten the entire business. Grandbay Financial Services builds garage insurance programs that address the full range of automotive service exposures - from the service bay to the parking lot to the test drive.
What We Cover
Garage Liability
Specialized liability coverage for automotive businesses. Covers third-party bodily injury and property damage from shop operations, customer vehicle use, and completed repair work.
Garagekeepers Liability
Coverage for damage to customers' vehicles while in the shop's care, custody, and control. Covers fire, theft, vandalism, and accidents on the premises or during test drives.
Commercial Property
Building and contents coverage for shop facilities, equipment, tools, and parts inventory. Business interruption coverage for revenue lost during a covered shutdown.
Commercial Auto
Coverage for shop-owned vehicles and liability for employees driving customer vehicles for test drives, delivery, or shuttle services.
Workers Compensation
WC coverage for shop employees including technicians, body shop workers, service advisors, and parts staff. Addresses the elevated injury exposure of automotive service work.
Pollution Liability
Coverage for fuel and fluid spills, underground storage tank leaks, and improper waste disposal incidents. Critical for shops handling motor oil, transmission fluid, and other automotive chemicals.
Crime / Theft
Coverage for employee theft, burglary, and robbery at shop facilities. Particularly important for shops with high-value parts inventory and customer vehicles on the lot.
Umbrella / Excess Liability
Excess liability above primary garage liability and auto limits. Important for shops with high customer vehicle values or significant foot traffic.
Key Exposures We Address
Every auto repair business faces a unique set of risks. Our specialists identify and mitigate the exposures most likely to impact your operations and financial stability.
What Auto Repair Businesses Face
Claims Scenarios & Outcomes
An electrical fire breaks out overnight in an auto repair shop, destroying the building and 14 customer vehicles that were left for service. Customers file claims for the total loss of their vehicles.
The shop's garagekeepers liability policy responds to the customer vehicle claims. The commercial property policy covers the building and shop equipment. The business interruption coverage compensates for revenue lost during the rebuild.
A service technician takes a customer's vehicle for a post-repair test drive and is involved in a collision with another vehicle. The other driver suffers injuries and files a claim against both the technician and the shop.
The garage liability policy responds to the third-party bodily injury claim. The customer's vehicle damage is covered under the garagekeepers policy. The shop's umbrella policy provides additional limits above the primary coverage.
A customer returns to the shop after a brake job, claiming the brakes failed and caused an accident. The customer files a claim against the shop for the vehicle damage and their injuries.
The garage liability policy's completed operations coverage responds to the claim. Defense costs and the settlement are covered. The shop's repair records and technician certifications help establish the quality of the original work.
Auto Repair Insurance FAQs
Ready to Protect Your Auto Repair Business?
Our auto repair insurance specialists are ready to design a program tailored to your specific operations, exposures, and growth objectives.