General Liability
Covers third-party bodily injury and property damage in your shop.
Read the General Liability guideWhat garage & auto insurance covers
Auto shops and dealers carry a mix of liability, property, and vehicle coverages built around the cars in their care.
What insurance does an auto repair shop need?
An auto shop typically carries General Liability, Workers Compensation, Garagekeepers for customer vehicles in its care, and Commercial Auto. Most shops add Commercial Property for lifts and equipment, plus Umbrella limits. Dealers often layer in Dealer Open Lot, Cyber Liability, and Employment Practices Liability.
- Coverage lines
- 11
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Coverage nearly every auto shop and dealer carries
Workers Compensation
Pays medical bills and lost wages for injured technicians.
Read the Workers Compensation guideGaragekeepers
Covers customer vehicles in your care from fire, theft, and collision.
Read the Garagekeepers Liability guideCommercial Auto
Covers shop trucks, loaners, and vehicles driven for test drives.
Read the Commercial Auto guideGarage Liability
Combines general and auto liability into one form for vehicle businesses.
Recommended
Coverage most shops and dealers add
Commercial Property
Protects lifts, diagnostic gear, paint booths, and parts inventory.
Read the Commercial Property guideBusiness Owners Policy
Bundles liability, property, and business income for smaller shops.
Read the Business Owners Policy guideUmbrella / Excess
Adds higher limits above garage liability, general liability, and auto.
Read the Umbrella Insurance guideSituational
Coverage for dealers and specific exposures
Dealer Open Lot
Covers inventory on the lot from hail, theft, vandalism, and fire.
Cyber Liability
Protects dealer F&I data and meets the FTC Safeguards Rule.
Read the Cyber Liability guideEmployment Practices Liability
Covers wrongful termination and discrimination claims from staff turnover.
Read the Employment Practices Liability guideBy segment
How the stack shifts by garage & auto type
Every garage & auto carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
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