Auto Repair Shops Insurance
General Liability Insurance
for Auto Repair Shops
Auto repair shops need a specialized form of general liability — often called garage liability — that covers both your business operations and your liability for customer vehicles in your care. Standard GL policies may exclude care, custody, and control of customer property, making garage-specific coverage essential.
Industry-Specific Insight
Why Auto Repair Shops Businesses Need General Liability Insurance
Auto repair shops need a specialized form of general liability — often called garage liability — that covers both your business operations and your liability for customer vehicles in your care. Standard GL policies may exclude care, custody, and control of customer property, making garage-specific coverage essential.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for auto repair shops operations.
FAQs
Common Questions from Auto Repair Shops Businesses
What is garagekeepers insurance and do I need it?
Garagekeepers insurance specifically covers customer vehicles in your care, custody, and control — protecting you if a customer's car is damaged or stolen while at your shop. Without it, you're personally responsible for those vehicles.
Does GL cover a fire that damages multiple customer cars?
Standard GL doesn't cover customer vehicles — that's garagekeepers coverage. If a fire destroys cars in your shop, garagekeepers insurance responds to those claims.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
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 · General Liability
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