What performance & tuning shops do
Performance shops modify vehicles for more power and better handling — ECU tuning, forced induction, exhaust and intake work, suspension upgrades, big-brake kits, and dyno testing. The whole point of the work is to change how the vehicle performs, which is exactly what makes the liability different from standard repair.
The exposures that come with it
The defining performance exposure is heightened completed-operations liability: when you increase a vehicle’s power or alter its handling, a failure or an accident afterward can point back at your work, and the stakes are higher than a routine repair. That’s also why performance work is underwritten differently — many programs treat performance enhancements separately from standard rebuilding, so being transparent about what you do is essential. Add dyno and specialized equipment as property exposure and high-value or modified customer vehicles in your care, and the risk profile is clearly its own thing. Confirm what’s in appetite at quote.
Coverage that matters for performance shops
Garage liability with completed operations, garagekeepers for customer vehicles, property and tools for dyno and specialized equipment, and workers’ comp. Coverage is general in nature and governed solely by the terms of the issued policy.