Auto Repair Shops Insurance
Commercial Auto Insurance
for Auto Repair Shops
Test drives, moving customer vehicles around the lot, and delivering finished vehicles all require commercial auto coverage. A separate garage liability policy with a commercial auto component covers vehicles your employees operate in the course of business operations.
Industry-Specific Insight
Why Auto Repair Shops Businesses Need Commercial Auto Insurance
Test drives, moving customer vehicles around the lot, and delivering finished vehicles all require commercial auto coverage. A separate garage liability policy with a commercial auto component covers vehicles your employees operate in the course of business operations.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for auto repair shops operations.
FAQs
Common Questions from Auto Repair Shops Businesses
Does commercial auto cover an employee test-driving a customer's car?
Typically covered under a garage liability policy's auto component. Standard commercial auto may not cover non-owned vehicles. Make sure your policy explicitly covers customer vehicle operations.
Do we need commercial auto for a courtesy shuttle vehicle?
Yes. Any vehicle your business operates — including courtesy shuttles — needs commercial auto coverage.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Auto Repair Shops Businesses Commonly Need
A complete protection plan for auto repair shops operations typically includes several complementary coverages.
Auto Repair Shops · Commercial Auto
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