Auto Mechanic Insurance — shop covered.
Repair shops take customers' vehicles into their care every day — and that's a risk standard liability alone won't cover. We build coverage for mechanics, from the bay to the customer's car.
Coverage you probably need
General Liability
Covers customer injuries and property damage in and around your shop.
Garagekeepers
Protects customers' vehicles while they're in your care, custody, and control.
Tools & Equipment
Covers lifts, diagnostics, and tools against theft and damage.
Workers Compensation
Required in most states once you have technicians on staff.
Commercial Auto
For shop trucks and customer test drives.
What can go wrong
- A customer's car is damaged while on your lift or during a test drive.
- A customer slips in the shop or waiting area.
- A fire starts from flammable materials.
- Tools or diagnostic equipment are stolen overnight.
What carriers usually ask
- Services you offer (general repair, bodywork, towing, custom).
- How many lifts/bays and whether you do test drives.
- Number of employees and annual revenue.
- Whether vehicles are stored overnight.
Common contract wording
Landlords and some vendors require General Liability (commonly $1M/$2M) and may ask for specific Garagekeepers limits and Additional Insured status, with a COI on file.
State notes: Garagekeepers and workers' comp requirements vary by state; we match limits to your lease and operations.
Get covered for Auto Mechanic Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentAuto Mechanic Insurance FAQs
What is Garagekeepers coverage?
It covers damage to a customer's vehicle while it's in your care — something general liability typically excludes.
Are test drives covered?
Yes, with the right auto and garage coverage in place. We confirm the details for your shop.
Do I need workers' comp for a small shop?
In most states, yes, as soon as you have employees. We help you stay compliant.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.