AUTO REPAIR SHOP

Auto Repair Shop Insurance

Protecting vehicles, technicians, and shop operations

Auto repair shops work directly with customer vehicles, specialized equipment, and mechanical systems on a daily basis. From vehicle damage and customer claims to employee injuries and operational disruptions, risk is present throughout every service performed.

A properly structured insurance program helps protect customer trust, shop assets, and long-term business stability.

Key Risks in Auto Repair Operations

Auto repair shops face exposure related to:

• Damage to customer vehicles while in care, custody, or control

• Bodily injury to customers or third parties on premises

• Technician injuries and workplace safety hazards

• Fire risks from welding, fuel, or electrical systems

• Theft or vandalism of vehicles or equipment

• Business interruption following covered losses

Even routine repairs can lead to costly claims.

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.

Commercial Property
Covers buildings, tools, equipment, lifts, and shop contents against covered losses.

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

Commercial Auto (when applicable)
Covers owned or used vehicles for towing, test drives, or business operations.

What’s Commonly Overlooked

Auto repair insurance programs are often weakened by:

• Missing or inadequate garagekeepers limits

• Failure to insure all vehicle values on premises

• Underinsured tools and specialized equipment

• Gaps between garage liability and commercial auto coverage

• Improper classification of shop operations

These gaps often surface after vehicle damage or fire losses.

Real-World Claim Examples

• A customer vehicle is damaged during repairs

• A technician is injured while working under a lift

• Fire damages shop equipment and vehicles

• A test drive results in an accident

Auto repair claims can escalate quickly due to vehicle values and liability exposure.

Why Proper Placement Matters

Auto repair coverage varies significantly based on:

• Type of services performed

• Number and value of vehicles on premises

• Equipment and tooling used

• Use of towing or road testing

Improper placement can lead to denied claims or uncovered losses.

Our Approach

At Cory Washington & Co., we structure auto repair insurance programs around how shops actually operate — including vehicle flow, equipment use, and customer exposure. Our focus is protecting vehicles, technicians, and reputation without unnecessary complexity.

Strong shops depend on trusted protection.