Premises and repair activities
Describe the work performed, including repairs, inspections or sales, and review claims involving customers and the work performed. Policy exclusions and definitions determine how operations are treated.
Business insurance
Garage and auto repair insurance
Repair shops can have customer vehicles, tools, employees and vehicles used in the business. Review how each activity and type of property is treated.
Understanding your options
What to know about garage and auto repair insurance
Auto repair operations may need to distinguish premises liability, vehicle use, shop property and damage to customer vehicles in their care. Policy wording determines whether each exposure is covered and under what conditions.
What to compare
- Describe repair, storage, towing and test-driving activities.
- Ask how customer vehicles in the shop’s care are covered.
- Compare shop tools, business vehicles, limits and deductibles separately.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Vehicles belonging to customers
Customer vehicles may be stored, moved or test-driven. Ask specifically about coverage for vehicles in the business’s care and the relevant limits, deductibles, locations and permitted use.
Shop property and business vehicles
Review buildings, lifts, tools, diagnostic equipment and the shop’s own vehicles. Commercial property and auto coverages address different property and liability questions.
Before you reach out
A few details can help start the conversation.
- A general description of shop operations
- Texas location and whether vehicles are stored or driven
- Questions about customer property, tools and liability
Common questions
Garage and auto repair insurance FAQ
Does general liability automatically cover a customer’s car in the shop?
Do not assume so. Check how vehicles in the business’s care, custody or control are treated and ask about appropriate coverage.
Does shop property coverage include every mechanic’s tool?
Ownership, location, valuation and policy limits matter. Review tools owned by the business and those owned by employees separately.
Are test drives automatically covered?
Coverage depends on the vehicles, drivers, permitted use and policy terms. Describe the test-driving activity when comparing options.
Is towing covered by a basic shop policy?
Not necessarily. Explain whether towing is performed and review the applicable vehicle and liability provisions.
Start a conversation
Ask about garage and auto repair insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.