Coverage for the shops that keep us moving

You keep America
on the road.
We keep you covered.

Repair shops keep the economy firing on all cylinders — every car you fix is someone getting to work, to school, to the job site. We back that work with garage liability, property, workers’ comp, cyber, and excess, on the world’s strongest paper.

Cars up on lifts in an auto repair shop bay
Bay 1–3 · lifts occupied
States covered
42
Coverage lines
6+
GL limits
$1M / $3M
Role
Program admin · MGU · retail broker
A+A.M. BEST
Backed by the world’s best insurers Carriers rated A+ (Superior) by A.M. Best
Backed by the world’s best insurers. We place your coverage across multiple markets — admitted and non-admitted — with carriers holding A.M. Best A+ (Superior) paper, so when a customer’s car gets wrecked on your lift or a claim lands, the money’s behind it.
GarageIns (DivRisk) is a licensed retail broker; it places coverage with rated carriers and is not itself an insurer or A.M. Best-rated. Some coverage is offered on a non-admitted / surplus lines basis; surplus lines carriers do not generally participate in state guaranty funds, so insureds are not protected by those funds. Coverage may be placed with different carriers depending on the risk; contact the broker for more information.
Coverage

Pick your lanes.

Garage liability, property, workers’ comp, cyber, excess, and more — placed across multiple markets. Coverage is general in nature and governed solely by the terms of the issued policy.

Core line

Garage liability

LIMIT: $1M / occ · $3M agg

Bodily injury and property damage arising out of shop operations and the premises where you service vehicles. Higher limits available.

TOL: subject to underwriting appetite
Core line

Garagekeepers

TIV: $2M · no per-vehicle cap

Physical damage to a customer’s vehicle in your care, custody, or control, on the ISO Garage Coverage Form. Applies where the shop is legally liable.

TOL: governed solely by the issued policy
Core line

Property

LIMIT: by schedule

Your building, contents, tools, lifts, and diagnostic equipment against covered loss on premises.

TOL: scheduled to your shop
Core line

Workers’ comp

STATUTORY: by state

Mechanic and staff injury coverage. Requirements are statutory and differ by state.

TOL: availability varies by state
Available

Excess / umbrella

LIMIT: over underlying

Additional liability limits above your garage liability, for the claims that run big.

TOL: subject to appetite
Available

Cyber

AVAIL: for shops

Data breach and cyber exposure for shops handling customer and payment information.

TOL: confirm scope at quote
Independent auto repair shop owner in his garage bay

You keep them running. We keep you covered when it doesn’t go to plan.

Your shop is the pit crew for every customer who rolls in — and every driver needs a crew that shows up. When a customer’s ride is damaged in your care, or a tech gets hurt on the clock, the paper behind you has to be there. Ours is.

  • Backed by the world’s best insurers — carriers holding A.M. Best A+ (Superior) paper.
  • One crew builds, underwrites, and places your coverage: program admin, MGU, and retail broker.
  • Built for how repair shops actually run — the lifts, the customers’ cars, the tools, the crew.
Who it’s built for

If you turn wrenches, this is for you.

General repair

Independent shops handling brakes, suspension, engine, and diagnostics.

Auto body

Collision and paint shops with customer vehicles on the lot.

Specialty

Transmission, exhaust, tire, and performance shops.

Quick service

Oil, lube, and fast-service bays with high vehicle throughput.