Protection for the shop, the vehicles and the work.

Repair shops and body shops can be responsible for customer vehicles while also managing lifts, tools, employees, chemicals, test drives and property exposures. We help put those pieces together.

Request a Shop Quote Call 888-778-4987

Serving auto repair and body shops in Massachusetts, Rhode Island, Connecticut, New York & New Jersey.

What we review

Garage insurance is more than general liability.

The right program depends on the work performed, customer vehicles in your care, test drives, towing, building and equipment values, employees and any body or paint operations.

Already insured?
Send us your current policies and renewal information. We can review the limits and how customer vehicles are covered.

Garage LiabilityLiability coverage designed for eligible garage operations and related business activities.

GaragekeepersCoverage considerations for customer vehicles in your care, custody or control.

Workers CompensationCoverage for work-related employee injuries and occupational exposures.

Commercial AutoFor owned business vehicles and eligible driving exposures.

Property & EquipmentCoverage for eligible buildings, tools, lifts, diagnostic equipment and business property.

Umbrella / ExcessAdditional liability limits over eligible underlying policies.

Why the right coverage matters

Customer cars are only part of the exposure.

These are a few areas we pay attention to when reviewing a repair or body shop.

Customer VehiclesDamage can happen while vehicles are parked, moved, lifted, repaired or test-driven. Garagekeepers coverage deserves a close look.

Employee SafetyOSHA identifies chemical and physical hazards in autobody work, including paints, solvents, welding fumes, lifts, cutting tools and slippery walking surfaces.

Paint & Body OperationsAutobody refinishing can involve hazardous air pollutants and regulated coating operations, making the exact shop activity important to underwriting.

Property & EquipmentA fire, theft or major equipment loss can interrupt operations and create costs beyond the damaged item itself.

Test Drives & Road ExposureEmployees may drive customer or business vehicles on public roads, creating additional liability exposure.

Business InterruptionEven a covered property loss can stop revenue while repairs are made, so income protection is worth reviewing.

Sources: U.S. Occupational Safety and Health Administration, Autobody Repair and Refinishing; U.S. Environmental Protection Agency, Auto Body Rule and hazardous air pollutant guidance.

How it works

We start with the shop operations.

Tell us what work you perform

Mechanical repair, body work, paint, towing, storage, detailing and other operations can affect the coverage and carrier fit.

We review the exposures

We look at sales, payroll, customer vehicles, building and equipment values, drivers and current insurance.

Compare the options

We explain the important coverage differences and pricing before you make a decision.

Request an auto shop quote

Let’s review your garage insurance.

Request a quote online or call us directly. We can also review your current policies before renewal.

Request a Quote Call 888-778-4987