Auto Service and Repair Shop Insurance
Auto service and repair shop insurance typically combines garage liability, garagekeepers coverage for customers’ vehicles in your care, general liability, commercial property for tools and equipment, and workers’ compensation, which California requires once you have any employees. It helps protect the shop against damage to customer cars, injuries, equipment failure, and completed-operations claims after a repair.
When customers hand you their keys, they are trusting you with one of their most valuable possessions. We help California shop owners build coverage around the real risks of the trade.
What does auto service and repair shop insurance cover?
- Garage liability for bodily injury and property damage tied to your operations.
- Garagekeepers coverage for customers’ vehicles left in your care, custody, or control.
- General liability for third-party injuries on your premises.
- Commercial property for your building, tools, lifts, and diagnostic equipment.
- Workers’ compensation, required in California once you have any employees.
- Commercial auto for shop vehicles and test drives.
Who needs it? California auto repair shops of every size, from single-bay shops to multi-location service centers.
California auto shops operate under the Bureau of Automotive Repair (BAR), which registers and oversees repair dealers, so keeping your registration current is part of running a compliant shop. Workers’ compensation is required as soon as you have any employees, which applies to nearly every shop with technicians on payroll. Pollution and environmental exposures from fluids and waste are common in this trade and may need attention beyond a standard policy.
How we help: We look at how your shop operates, how many vehicles you handle, what equipment you run, and how many people you employ, then we build coverage that fits. We explain where garagekeepers limits should land and how completed-operations claims work.
