Tire Shop Insurance Coverage Checklist
The coverages a tire shop business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for tire retailers and service shops. Priorities reflect typical exposure; confirm against used tires and mobile service.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Garage Liability (incl. | Completed Operations) Covers injuries from the shop's work after the vehicle leaves — the core coverage for repair shops. | Core | |
| Products Liability | Covers claims over tires sold, including used and aged tires. | Core | |
| Garagekeepers | Covers customers' vehicles in the shop's care — confirm the basis (legal liability vs. direct) and limit. | Core | |
| Umbrella / Excess Liability | Adds limits for a wheel-off or tire-failure crash. | Prevalent | |
| Workers' Compensation | Required in most states; lifts, tools, and chemicals drive injuries. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is the installation itself. Wheels that come off from under-torqued lug nuts and aged or worn tires that fail at speed lead to serious crash claims against the shop. Shops should torque with calibrated wrenches and record it, check DOT date codes, refuse unsafe used tires, and confirm products and completed-operations limits.
Send us the checklist and we'll review your tire shop coverage line by line, then market it across multiple carriers that compete for your account.
Related: Tire Shop Insurance · Tire Shop Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a tire shop business need?
The core coverages for a tire shop business are Garage Liability (incl., Products Liability, Garagekeepers, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my tire shop coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.