Auto Repair Shop and Mechanic Insurance

Auto Repair
Two mechanics fixing car in a workshop.
Choose from the nation's best insurance providers
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Why do auto repair shops need insurance?

Working on other people's cars involves a lot of risk. If a mechanic accidentally damages a customer's car, the result could be a lawsuit. Auto mechanic insurance can cover legal fees from an accident, property damage from a storm or fire, and the cost of recovering from a data breach.

Auto mechanic repairing a car engine.
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Find the right coverage

Insureon will help you find insurance policies that match the unique risks of auto repair.

Get free expert advice and peace of mind knowing you have the right coverage for your business.

What types of insurance do repair shops and mechanics need?

These insurance policies cover the most common risks of auto repair.

General liability insurance icon

General liability insurance

General liability covers accidents that harm a customer. Add garage liability insurance to cover incidents in your garage, or garage keepers insurance to cover damage to customer vehicles.

BEST FOR
  • Third-party bodily injuries
  • Accidental damage to customer property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy, or BOP, is a cost-effective way for auto repair shop owners to buy general liability coverage and commercial property insurance together.

BEST FOR
  • Customer injuries
  • Damage to your building or its contents
  • Business interruption incidents
Commercial auto insurance icon

Commercial auto insurance

This insurance covers injuries and property damage caused by an auto repair shop’s vehicle, as well as repairs to business vehicles damaged by weather or vandalism.

BEST FOR
  • Injuries caused by your vehicle
  • Property damage caused by your vehicle
  • Vehicle theft and vandalism
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for repair shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Cyber insurance icon

Cyber insurance

This policy helps auto repair shops recover financially from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This policy boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.

BEST FOR
  • Multi-vehicle auto accidents
  • Customer injury lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for automotive services?

Auto services employee calculating insurance costs.

A mechanic who works independently will pay less for insurance than a larger repair shop.

Factors that affect the cost of auto services insurance include:

How do I get auto repair shop insurance?

It’s easy to get insurance coverage as a mechanic or auto repair shop owner if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application.
  2. Compare insurance quotes and choose a policy.
  3. Pay for your policy and download a certificate.

Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your automotive repair shop, whether you work independently or hire employees.

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