Auto Repair Shop Insurance
Auto repair shops carry real liability from the moment a customer's keys hit the counter. Auto Repair insurance gives shop owners the specialized protection they need when a repair dispute, a garage fire, or a customer injury threatens the business they have built.
Coverage for Every Vehicle You Touch
Running an auto repair shop means working with expensive customer vehicles, hazardous materials, heavy equipment, and a steady flow of foot traffic every single day. A vehicle damaged in your care, a fire in the garage, or a customer injured on your lot can generate claims that a standard commercial policy was never designed to handle.
Garage Liability
Covers bodily injury and property damage claims arising from your shop operations, including customer injuries on your premises and damage caused by your work or your employees during the repair process.
Garagekeepers Coverage
Protects customer vehicles in your care, custody, and control against fire, theft, vandalism, and collision damage while they are stored or serviced at your shop or driven by your staff.
Commercial Property Coverage
Covers your shop building, lifts, diagnostic equipment, tools, and parts inventory against fire, theft, storm damage, and other covered perils that could disrupt your operations and revenue.
Workers Compensation
Covers medical expenses and lost wages for employees injured on the job, an essential coverage for any shop where staff work daily with heavy equipment, hazardous fluids, and physical demands.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Independent Shop Owners and Solo Technicians
Single-location shops carry every layer of liability personally. The right policy protects your equipment, your customers' vehicles, and your income when an incident in the garage generates a claim you were not prepared to absorb alone.
Multi-Bay Shops and Automotive Service Groups
Larger operations managing multiple bays, multiple employees, and higher vehicle volume face compounded liability across every lift and every job. Scalable coverage ensures your entire operation is protected without gaps that one claim could expose.
Independent Shop or Multi-Bay Operation, This Coverage Fits
Auto repair shops carry a combination of customer property liability, premises risk, and employee exposure that standard commercial policies are not equipped to handle. Whether you run a solo operation or manage a full team of technicians, your coverage needs to match the demands of your shop floor.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
What is garagekeepers coverage and why does my shop need it?
Garagekeepers coverage protects customer vehicles while they are in your care, custody, and control. Standard garage liability covers your operations but not the vehicles themselves. Without garagekeepers coverage, damage to a customer's car from a shop fire, a break-in, or an employee accident could become an out-of-pocket loss that seriously damages both your finances and your customer relationships.
Does my policy cover test drives and road trips to pick up parts?
Vehicle use away from your shop requires specific coverage that standard commercial auto policies may not extend to repair shop operations automatically. Garage liability and commercial auto coverage work together to address both on-premises and off-premises vehicle use, but the specifics depend on your policy structure. Discussing how your staff uses vehicles as part of daily operations with your agent ensures there are no gaps between your shop coverage and your road exposure.
Are subcontractors who work in my shop covered under my policy?
Not automatically. Independent contractors working in your facility are generally not covered under your garage liability or workers compensation policy the way employees are. If a subcontractor is injured or causes damage while working in your shop, the liability picture can become complicated quickly. Verifying that subcontractors carry their own coverage and discussing how your policy responds to contractor-related incidents with your agent is the best way to avoid an uncovered claim that lands on your business.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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