Auto Repair / Garage Insurance
Comprehensive protection for auto repair shops, mechanics, and body shops. From customer vehicles to workplace injuries, we cover the unique risks of your garage.
Coverage Types for Auto Repair Shops
Build a comprehensive insurance package that protects every aspect of your shop.
Garage Liability
Covers bodily injury and property damage arising from your garage operations, including test drives.
Garagekeepers Insurance
Covers customer vehicles in your care, custody, and control against damage from fire, theft, and collisions.
Workers Compensation
Required in Florida for auto shops with 3+ employees. Covers employee injuries from burns, cuts, and heavy lifting.
Commercial Property
Covers your building, equipment, tools, and inventory against fire, theft, and storm damage.
Equipment Breakdown
Covers repair costs for expensive equipment like lifts, diagnostic machines, and air compressors.
Pollution Liability
Covers cleanup costs for oil, coolant, and chemical spills that contaminate soil or groundwater.
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Common Auto Repair Shop Risks
Understanding these risks helps you choose the right coverage.
Why Choose Greene & Associates?
Garage Keepers Liability
Protect customer vehicles in your care, custody, and control against damage, theft, and accidents.
Environmental Coverage
Protection for fluid spills, waste disposal incidents, and environmental cleanup costs.
Lift & Equipment
Coverage for tool and equipment breakdown, including lifts, diagnostic equipment, and specialty tools.
Frequently Asked Questions
What's the difference between garage liability and garagekeepers insurance?
Garage liability covers bodily injury and property damage to third parties arising from your operations (like a customer getting hurt in your shop). Garagekeepers covers damage to customer vehicles in your care - it's essentially collision and comprehensive for customer cars while they're at your shop.
Does auto repair shop insurance cover customer vehicles?
Yes, garagekeepers insurance specifically covers customer vehicles while they're in your care, custody, and control. This is essential coverage for any auto repair shop. Without it, you'd be personally liable for any damage to customer vehicles.
How much does auto repair shop insurance cost?
Costs vary based on your shop size, number of employees, revenue, and coverage needs. Most auto repair shops pay $3,000-8,000/year for comprehensive coverage. Body shops and shops with higher risk operations typically pay more.
Do I need pollution liability insurance for my auto shop?
If you handle oil, coolant, antifreeze, or other hazardous fluids, pollution liability is highly recommended. These materials can contaminate soil and groundwater, resulting in expensive cleanup costs. Many standard policies exclude pollution, so you may need a separate endorsement or policy.
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