"Fix Cars With Confidence. We've Got You Covered."
Protecting garages, vehicles, and daily operations
Auto repair shops face constant exposure to customer vehicle damage, employee injuries, equipment loss, and liability claims. Whether operating a small mechanic shop, body shop, or full-service repair facility, working on customer vehicles creates unique risks that standard business policies may not fully cover. Even a minor mistake or accident can result in expensive repairs, lawsuits, or business interruption.
Properly structured insurance helps protect your shop, your employees, and the vehicles entrusted to your care.
Key Risks in Auto Repair Operations
Auto repair businesses face exposure related to:
Damage to customer vehicles
Garage liability claims
Employee injuries
Fire or property damage
Tool and equipment theft
Test drive accidents
Environmental or fluid spills
Losses can occur even in well-run shops.
Core Coverages for Auto Repair Shops
Auto repair insurance programs typically include:
Garage Liability — Protects against bodily injury and property damage claims arising from garage operations and vehicle servicing.
Garagekeepers Liability — Covers damage to customer vehicles while in the shop’s care, custody, or control.
Garage Liability — Protects against bodily injury and property damage claims related to garage operations.
Garagekeepers Coverage — Protects customer vehicles while in your care, custody, or control.
Commercial Property — Covers the building, tools, lifts, and equipment against covered physical loss.
Workers Compensation — Provides coverage for employee injuries as required by law.
Commercial Auto — Covers shop-owned vehicles, tow trucks, or service vehicles.
Pollution Liability (when needed)Protects against claims involving fuel, oil, or chemical spills.
Umbrella / Excess Liability — Provides additional limits for severe claims.
What’s Commonly Overlooked
Auto repair insurance programs are often weakened by:
Missing garagekeepers coverage
Underinsured tools or equipment
Inadequate liability limits
No pollution coverage
Failure to cover test drives
Gaps between garage liability and auto coverage
These issues often appear only after a claim occurs.
Real-World Claim Examples
A customer vehicle is damaged during repair
Fire damages the shop and equipment
A mechanic is injured while working
A test drive results in an accident
A fluid spill leads to cleanup costs
Even one claim can impact the ability to operate.
Why Proper Placement Matters
Auto repair coverage varies significantly based on:
Type of work performed
Number of employees
Value of customer vehicles
Equipment and tools used
Environmental exposure
Lease or contract requirements
Improper placement can result in denied claims or uncovered losses.
Our Approach
At Cory Washington & Co., we structure auto repair shop insurance based on the type of work you perform, the value of vehicles you service, and the equipment you use. We coordinate garage liability, garagekeepers, property, and pollution coverage to ensure your business is protected from the real risks of working on vehicles every day.
When customers trust you with their vehicle, the right protection matters.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.