How to Get Auto Repair Business Insurance for Your Shop?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Running an auto repair business comes with unique risks, from customer vehicle damage to employee injuries and costly liability claims. That’s why getting the right auto repair business insurance is one of the most important steps in protecting your shop. Below is a simple guide to help you understand what coverage you need, what insurance companies look for, and how to get a reliable auto service business insurance quote.
1. Identify the Risks in Your Auto Repair Shop
Auto service shops face exposures like garage liability, property damage, customer vehicle protection, and employee injuries. Insurers typically recommend coverage such as General Liability, Garage Liability, Workers’ Compensation, Commercial Property, and Garage Keepers Insurance. Understanding your risks ensures you’re not under-insured when a claim occurs.
2. Gather the Information You’ll Need for a Quote
Insurance companies will ask for details including:
Number of employees
Annual revenue
Types of services offered (brakes, transmissions, engines, welding, etc.)
Value of tools, equipment, and shop property
Number of customer vehicles stored overnight
Having this ready speeds up the process of getting an auto service business insurance quote.
3. Compare Policies, Not Just Prices
The insurance cost for an auto repair business varies based on claim history, shop size, location, and services performed. Low‑priced policies aren’t always the best fit. Instead, compare what is covered, exclusions, deductibles, and limits. Look for strong protection in garage liability and garage keepers coverage, since these are the most common claims for repair shops.
4. Work With an Agency That Specialises in Auto Shops
Many insurance carriers do not insure auto repair businesses because of the risks involved. That’s why it’s crucial to work with an agency that knows the industry.
Wexford Insurance works directly with insurance companies that specialise in auto repair shop coverage nationwide. We help shop owners compare policies and find the right protection at the right price.
👉 Request your auto service business insurance quote from Wexford Insurance today and start saving while staying fully protected.
