Garagekeepers direct primary
Repairs customer vehicles immediately following lot damage, hail, or collision without proving legal fault.
Mechanic & garage protection
Insurance protection engineered for auto repair shops and mechanic facilities.
Protect independent auto mechanics, brake and tire centers, transmission rebuilders, and collision facilities with Garage Liability, Direct Primary Garagekeepers, equipment coverage, and workers comp.
Quick insurance start
Why is auto repair shops & garages on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Precision wrenching
Insuring customer trust from the service bay to the highway.
When customers entrust their vehicles to your shop, you take on significant care, custody, and control liability. We protect your facility against bay accidents, faulty parts, and vehicle test-drive risks.
Key coverage solutions
Structured around the realities of your situation.
Completed operations liability
Shields the shop if a mechanical repair fails after the customer drives away, causing a roadside accident.
Hydraulic lift & equipment
Commercial property and breakdown coverage for lifts, tire changers, alignment racks, and air compressors.
Technician workers comp
Mandatory medical and wage protection for mechanics working with heavy components and power tools.
Quote underwriting details
What we need to build your independent comparison.
- Service bay count & overnight capacityNumber of active lifts and total customer vehicles stored inside and outside overnight.
- Customer key securityUse of heavy-duty key drop boxes and secure overnight lockboxes to deter theft.
- Technician driving recordsClean MVRs for all employees authorized to road-test customer vehicles.
Related discovery
Frequently asked questions
Common questions about auto repair shops & garages.
What happens if a car falls off a hydraulic lift?
Garagekeepers insurance responds to cover the physical damage to the customer vehicle, while Garage Liability protects against any resulting property damage or personal injury.
Does coverage include test-driving customer cars?
Yes. Necessary road testing of customer vehicles by licensed employees is fully covered under standard garage policy terms.
Can technician toolboxes be insured?
Yes. We offer specialized inland marine tool floaters specifically designed to cover technician-owned toolboxes and specialized scan tools.
Ready to begin?
Start your independent quote comparison today.
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