Retail & consumer services

Auto repair shops

Mechanics and auto service/repair shops working on customer vehicles.

Why it needs cover

The exposure

Standard GL is insufficient because customer vehicles in the shop's care and test-driving on public roads are excluded; garage liability and garagekeepers fill those gaps. Fire (paint booths) and lifts add property/injury risk.

What we place

Coverages this class usually needs

Garage liabilityOften (lease/lender)

Injury/property damage from garage operations and test drivesAuto-specific GL gap

GaragekeepersOften

Customer vehicles in care/custody/controlCars on the lot/lift

Business owners policy (BOP)Often (lease)

GL + property bundleBuilding/equipment

Workers' compensationRequired (with employees)

Staff injuriesLifts, tools, chemicals

Commercial autoRequired (owned vehicles)

Owned/loaner vehiclesRoad testing

What it costs

National benchmark premiums

Rated on: Annual revenue and payroll

General liability

$54-$60/mo

BOP

$149/mo

Garage liability

typically $1,300-$2,500/yr; garagekeepers averages ~$38/mo

Total annual (typical)

about $107/mo ($1,286/yr) across five coverage types for a 1-4 employee shop; full garage programs $2,000-$10,000/yr

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Auto Repair cost); MoneyGeek; Fit Small Business; The Coyle Group.

When it goes E&S

Where this risk gets hard to place

Body/paint operations (fire), high-value vehicle work, and prior fire/theft losses can push shops to E&S.

Contact

Talk to us about Auto repair shops.

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