Auto repair and garage insurance: coverage for repair shops and body shops.
Specialized insurance for auto repair facilities.
Auto repair shops and body shops face a combination of risks that most standard commercial policies are not designed to address. Customer vehicles in your care are your biggest liability exposure — a fire in the shop, a theft from your lot, a test drive accident, or damage during service can result in claims that threaten your business without the right coverage in place. At the same time, the physical environment of auto repair creates significant workers’ compensation exposure: chemical burns, back injuries, falls on slick floors, and injuries from heavy equipment and vehicle lifts.
GLS Insurance serves auto repair shops, body shops, transmission specialists, tire shops, oil change facilities, and specialty automotive service businesses across all 17 states in our territory — from small independent shops in rural Missouri and South Dakota to large multi-bay facilities in the Chicago metro, Dallas-Fort Worth, and Atlanta markets.
Key coverages for auto repair and garage businesses.
- Garage Liability Insurance — A specialized form of general liability designed for auto-related businesses. Covers bodily injury and property damage arising from your garage operations, including damage to customer vehicles while in your care and claims from your completed work.
- Garagekeepers Insurance — This is the most critical coverage for repair shops. Garagekeepers covers damage to customer vehicles in your care, custody, and control — from fire, theft, vandalism, collision, or accidental damage while the vehicle is on your premises. Standard GL policies do not cover customer vehicles.
- Commercial Property Insurance — Covers your shop building, equipment, tools, parts inventory, and supplies. Auto repair facilities contain expensive diagnostic equipment, lifts, and specialty tools that represent significant replacement value.
- Workers’ Compensation — Auto repair has above-average workers’ comp claims rates. Mechanics and technicians work with hazardous chemicals, heavy equipment, and in physically demanding positions. Required by law for employees in virtually every state in our territory.
- Commercial Auto Insurance — Covers vehicles owned by your business, including test drive vehicles, shop trucks, and shuttle vehicles. Also covers your employees driving customer vehicles for test drives and road tests.
- Pollution Liability — Auto repair generates oil waste, antifreeze, fuel, and solvent exposure. In many states, improper disposal or a spill can trigger environmental remediation obligations and third-party claims.
- Employment Practices Liability (EPLI) — Auto repair businesses with employees face the same employment claims risks as any employer — particularly relevant in states like Illinois, Colorado, and California where employment law is more complex.
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