Looking for Auto Repair Shops Insurance?
Protect your repair shop with garage liability insurance. When customers trust you with their vehicles, you need coverage for test drive accidents, damage to cars in your care, and injuries on your premises. Harper Insure provides the specialized protection repair shops need.
What is Auto Repair Shops Insurance?
Garage liability insurance combines general liability and commercial auto coverage tailored for repair shops. It covers third-party bodily injury and property damage from your operations, plus garagekeepers coverage that protects customer vehicles while they're in your possession. When a customer drops off their car, you're responsible until they pick it up—garage liability makes sure you're covered.
Garage Liability
Covers third-party bodily injury and property damage claims—customer slip-and-falls, test drive accidents, and damage from your operations.
Garagekeepers Coverage
Protects customers' vehicles in your care from fire, theft, vandalism, falling equipment, or collision while on your lot or in your bay.
Completed Operations Coverage
Protects you after the vehicle leaves. If brake pads you replaced fail and cause an accident, this coverage responds.
Tools and Equipment Coverage
Protects your diagnostic equipment, lifts, compressors, and hand tools from theft, fire, and damage.
Who Needs Auto Repair Shops Insurance?
- Independent Repair Shops : General repair shops handling oil changes to engine rebuilds
- Specialty Repair Shops : Transmission, brake, and exhaust specialists
- Auto Body and Collision Shops : Body shops storing and repairing damaged vehicles
- Quick Lube and Maintenance Centers : High-volume shops with significant vehicle exposure
- Mobile Mechanics : Mechanics traveling to customer locations
Why Harper?
Built for Shop Operations
We understand repair shops—road tests, overnight storage, multiple vehicles in various repair stages. Your coverage handles this reality.
Garagekeepers Limits That Fit
Whether you service $5,000 economy cars or $50,000 luxury vehicles, we help you set limits that actually protect you.
Same-Day Certificates
Need proof of insurance for your license, lease, or fleet contracts? Most clients get certificates the same day.
Fast Claims Support
We handle garage claims regularly and resolve them efficiently so you can focus on running your business.
Frequently Asked Questions
What's the difference between garage liability and general liability?
General liability covers basic premises risks but excludes garage operations—driving customer vehicles, having their property in your care, and test drive accidents. Garage liability is designed specifically for these situations.
Does garage liability cover damage I cause while repairing a vehicle?
Garagekeepers coverage protects customer vehicles in your care from fire, theft, vandalism, or collision. Coverage for repair-related damage depends on your specific policy—Harper Insure can structure coverage for the risks your shop faces.
Do I need garage liability if I only do oil changes?
Yes. You still have customers on your premises, vehicles in your care, and your work could lead to claims. High volume actually increases your exposure.