Auto Shop Insurance

For auto repair shop owners and mechanics, there’s nothing quite as rewarding as the smooth hum of a newly repaired engine.

 

Of course, owning an auto shop comes with certain risks. Auto repair companies, including mechanics, car washes, auto shops, garages, mobile mechanics, and auto parts stores, carry a unique set of hazards to employees, customers, and even business property that may be alleviated through proper auto repair business insurance coverage.

 

Your employees may face on-the-job risks, such as chemical exposure or repetitive stress injuries. Your customers could become injured by slipping on grease or tripping over cords. Your garage or auto shop could be damaged due to fire or catastrophic weather.

 

Fortunately, when you carry the right types of auto shop insurance, your customers, employees, and small business property may be covered.

What type of work needs auto shop insurance?

  • Auto repair shops, mechanics, garages, and automobile service centers

  • Gas stations

  • Auto parts dealers 

  • Tire dealers

  • Car washes

  • Air conditioning service centers

  • Auto parts drivers

  • Mobile mechanics

  • And more…

What are common types of auto shop insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect auto shop small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes. 

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Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for a auto shop small business.

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Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by a auto shop small business.

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Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover auto shop small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

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Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the auto shop business provided.

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General liability

General liability insurance is a type of policy that helps protect a auto shop small business against third-party claims that involve property damage, bodily injury, or advertising injury.

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Professional liability

Professional liability insurance helps protect a auto shop small business against claims by third parties who believe they were harmed due to advice or services the business provided.

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Small group health

Small business group health insurance may be provided by a auto shop small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

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Specialized Coverage

Additional specialized insurance policies—coverage types that are specific to the auto shop industry a small business operates within—may be built into a business owner’s policy or purchased separately.

Pie provides workers’ comp insurance for auto shop businesses. Learn more.