Insurance For Auto Repair Shops
Protect your shop, employees, equipment, and customers’ vehicles with insurance built for automotive businesses. Bay Road helps you compare coverage from trusted carriers so you can keep your bays open and your business moving.
Trusted By 12K+ Clients Across Florida
Insurance Solutions For Auto Repair Shops of All Sizes
Every automotive business has different services, equipment, employees, and customer exposures. Your insurance should reflect the work you perform and the vehicles entrusted to your shop.
Whether you operate a single-bay repair facility or manage several locations, Bay Road can help build coverage around your business. We work with:
General Auto Repair Shops
Collision Repair Shops
Body Shops
Transmission Shops
Tire Shops
Oil Change Businesses
Brake And Muffler Shops
Auto Glass Businesses
Detailing Businesses
Mobile Mechanics
Performance And Customization Shops
Towing Operations
Coverage Built Around Your Auto Repair Business
Auto repair shops face risks involving customers’ vehicles, workplace injuries, specialized equipment, test drives, property, and completed work. Our team can help you build an insurance program around those exposures.
Garage Liability Insurance
Helps protect against certain bodily injury and property damage claims arising from your garage operations.
Garagekeepers Insurance
Helps cover customers’ vehicles while they are in your care, custody, or control for service, repair, storage, or testing.
Commercial Property Insurance
Protection for your building, tools, diagnostic equipment, lifts, inventory, furniture, and other eligible business property.
Workers’ Compensation Insurance
Coverage for eligible medical expenses and lost wages when an employee experiences a work-related injury or illness.
Commercial Auto Insurance
Protection for vehicles owned or used by the business, including qualifying service, pickup, delivery, or towing vehicles.
Business Interruption Coverage
May help replace qualifying income and cover certain ongoing expenses if a covered loss temporarily closes your shop.
Equipment Breakdown Coverage
May help cover eligible repair costs and lost income resulting from the sudden mechanical or electrical breakdown of covered equipment.
Products And Completed Operations Coverage
Helps address certain claims involving bodily injury or property damage allegedly caused by completed repair work or installed products.
Pollution Liability Insurance
May help protect against certain claims involving spills, leaks, or improper handling of automotive fluids and other pollutants.
Cyber Liability Insurance
Helps address certain costs resulting from cyberattacks, payment-system incidents, and the exposure of customer or employee information.
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Auto Repair Shop Insurance FAQs
What insurance does an auto repair shop need?
Repair shops commonly consider garage liability, garagekeepers, commercial property, workers’ compensation, commercial auto, equipment breakdown, business interruption, and pollution liability coverage. Needs vary according to the services the shop provides.
What is the difference between garage liability and garagekeepers insurance?
Garage liability generally addresses certain claims arising from your business operations. Garagekeepers insurance helps protect customers’ vehicles while they are in your care, custody, or control.
Are customers’ vehicles covered while at my shop?
Customers’ vehicles may be covered under garagekeepers insurance for qualifying losses. Available protection may differ depending on whether coverage applies on a legal liability, direct primary, or direct excess basis.
Does insurance cover faulty repair work?
General liability or completed operations coverage may address resulting bodily injury or property damage from covered work. It generally does not pay simply to redo defective work, and exclusions may apply.
Are test drives covered?
Coverage for test drives depends on the policy, driver, vehicle, purpose of the trip, and shop procedures. Your agent can help review how test drives and customer vehicles are addressed.
How much does auto repair shop insurance cost?
Pricing may depend on services performed, annual revenue, payroll, location, building and equipment values, number of employees, customers’ vehicle values, claims history, and selected coverage.
Local Insurance For Auto Repair Shops
Bay Road works with auto repair shops throughout the communities we serve.
Auto Repair Shop Insurance Boca Raton
Auto Repair Shop Insurance Marathon
Auto Repair Shop Insurance Plantation
Auto Repair Shop Insurance Key Largo
Auto Repair Shop Insurance Big Pine Key
Auto Repair Shop Insurance Deerfield Beach
Auto Repair Shop Insurance Port St. Lucie
Ready To Protect Your Auto Repair Shop?
Whether you’re opening a new shop, adding services, or reviewing your current coverage, Bay Road is here to help. Compare coverage from trusted carriers and work with local insurance professionals who understand automotive businesses.
