The lines that make up a program
Auto repair shop insurance isn’t one policy — it’s a coordinated set of coverages, each handling a different exposure. Below is what each line does. Coverage is general in nature and governed solely by the terms of the issued policy; limits and forms are placeholders until confirmed.
Garage liability
Bodily injury and property damage arising out of shop operations and the premises where you service vehicles. Higher limits available.
Garagekeepers
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.
Property
Your building, contents, tools, lifts, and diagnostic equipment against covered loss on premises.
Workers’ comp
Mechanic and staff injury coverage. Requirements are statutory and differ by state.
Excess / umbrella
Additional liability limits above your garage liability, for the claims that run big.
Cyber
Data breach and cyber exposure for shops handling customer and payment information.
Which lines your shop needs
Most shops carry garage liability and garagekeepers together, add tools-and-equipment for their gear, and carry workers’ comp where the state requires it. The right mix depends on your operations — see insurance by shop type or start a quote.