From repairing vehicles to conducting routine maintenance, your auto repair shop requires robust insurance to safeguard against various risks. Ensure your business is protected with a reliable insurance policy tailored to your needs.

Why Auto Repair Shops Need Insurance

Operating an auto repair shop comes with its own set of challenges and risks. Whether it's working with heavy machinery or handling intricate repairs, there are inherent dangers. Proper insurance coverage provides peace of mind and the confidence to manage your shop effectively.

Who Should Consider Mechanic Insurance?

Mechanics and auto repair shops including:

  • Tire Retailers
  • Auto Repair Shops
  • General Mechanics
  • Body and Collision Repair Shops
  • Garages
  • Shops with ASE or I-CAR Certifications
  • Auto Sound and Communication Installers

Key Coverage Options for Auto Mechanics

Many auto repair shops opt for a Business Owner’s Policy (BOP), which integrates three fundamental types of coverage:

  1. General Liability Insurance
    • Protects your business from claims related to bodily injury or property damage caused by your operations.
  2. Commercial Property Insurance
    • Covers damage or loss to your building and equipment, including:
      • Drills
      • Hand tools
      • Lifts
      • Jacks
      • Air Compressors
      • Battery Chargers
  3. Business Income Insurance
    • Compensates for lost income if your shop is unable to operate due to covered property damage.

How Much Does Mechanic Insurance Cost?

On average, businesses with a BOP pay around $1,019 annually, or about $85 per month. Costs can vary based on factors such as:

  • Location
  • Number of employees
  • Coverage specifics, including limits and deductibles

To get an accurate estimate for your shop, request a personalized quote.

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Protecting Your Mechanic Team

Your mechanics are essential to your shop’s success. With the right insurance, you can safeguard your employees from the risks associated with heavy machinery and power tools.

Example Incident: Over 16,000 workplace injuries were reported in the auto repair and maintenance industry in 2019.

  • Mechanic Injuries: Workers’ compensation insurance covers work-related injuries, including access to a network of healthcare providers for treatment and recovery.
  • Faulty Work: Coverage for defective work helps if issues arise from repairs performed by you or subcontracted vendors.

Safeguarding Your Shop's Property

The tools and equipment necessary for your auto repair shop can be costly. Protecting these assets from damage or theft is crucial for maintaining your operations.

  • Stolen Tools: Commercial property insurance can reimburse the cost of replacing stolen tools and equipment.
  • Stolen Customer Payment Information: Data breach insurance, also known as cyber liability insurance, covers the costs associated with data breaches involving customer payment information.

Ensuring Business Continuity

Unexpected events, such as fires or theft, can severely impact your ability to operate. Auto repair shop insurance provides crucial protection against such risks.

Example Incident: In 2019, fires resulted in approximately $14.8 billion in damages.

  • Garage Damage: A BOP can cover repairs to your building and equipment and help replace lost income if your shop is temporarily closed.
  • Lost Customer Belongings: Garage keepers coverage protects against claims for personal property lost or damaged while in your care.

Choose comprehensive auto mechanic insurance to ensure your business is well-protected and prepared for the unforeseen.