Insurance For Auto Repair Shops

Specialty business insurance solutions tailored to your needs.
Get Started

Insurance as dependable as your tools: XINSURANCE has your auto repair shop covered.

From protecting your valuable equipment to safeguarding against potential liabilities, we’ve got you covered.  Don’t leave your business vulnerable – trust XINSURANCE to keep you covered so you can focus on what you do best: keeping vehicles on the road.

The Importance of Auto Repair Shop Insurance

Auto repair shop insurance is a crucial investment for your business as it offers essential protection against potential risks and liabilities. With XINSURANCE, you can have peace of mind knowing that your auto repair shop is backed by a trusted insurance partner who understands the unique challenges of your industry. From unforeseen accidents to unexpected damages, having the right insurance coverage ensures that your business and its services are protected. Don’t leave your auto repair shop vulnerable to financial setbacks or legal claims – let us provide you with the comprehensive coverage solutions your shop needs.

Don’t settle for cheap insurance. While it may save you money upfront, cheap policies often have hidden limitations and may not provide the necessary coverage when you need it. Protect your auto repair shop with reliable and comprehensive coverage solutions from XINSURANCE. Make the smart choice for your business and request a quote today.

Who Should Have Auto Repair Shop Insurance

  • Independent Garages
  • Specialty Shops
  • Dealerships
  • Mobile Mechanics
  • High Performance and Racing Shops
  • And More!
View All

Auto Repair Shop Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Garage Keepers Direct Primary (GKDP)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control – without regard to being legally liable.

Garage Keepers Legal Liability (GKLL)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control.

Dealers Open Lot (DOL)

Covers physical damage to inventory held for sale. Covers named perils and collision only but we can add extreme weather coverage. This coverage like the GKLL extends to collision coverage while being driven if the vehicle is being operated under a scheduled dealer plate.

Drive Away Coverage

Drive away is auto liability coverage for vehicles not owned by the insured and does not include collision. Physical damage including collision is provided under OTRPD (over the road physical damage). This coverage is sometimes referred to as drive other car (DOC).

Hired & Non-Owned Auto*

Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.

*Available in most states

Over The Road Physical Damage (OTRPD)

Physical damage to vehicles not owned by the insured that are being driven by a covered driver of the insured.

Physical Damage

Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

View All

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Insurance for Auto Repair Shops

How much does insurance for an auto repair shop cost?

The cost of insurance for an auto repair shop can vary depending on factors such as the size of the shop, the number of employees, the types of services provided, and the location. It is best to contact XINSURANCE to discuss your insurance needs in order to get a personalized quote.

Do I need insurance for all of the equipment and tools in my auto repair shop?

If there is equipment or tools in your auto repair shop that you want covered on your policy, then you need to tell us what you want to have covered so it can be scheduled and covered. Commercial property insurance can help protect your physical assets from events like theft, fire, or natural disasters.

Will my auto repair shop insurance cover damage to customer’s vehicles?

Yes, your auto repair shop insurance may cover damage to customer vehicles that occur during the repair process.

What is garage liability insurance?

Garage liability insurance is a type of insurance that specifically covers damage or injury caused by a business or the business’ employees while the business is operating. It is often used for auto repair shops.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Why should I have auto repair shop insurance?

You need auto repair shop insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

View All

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service