Looking for Auto Services Insurance?
Protect your auto service business from liability claims, customer vehicle damage, garage accidents, and property loss. Harper provides insurance for repair shops, detailing services, oil change centers, and mobile mechanics, with fast certificates for landlords, lenders, and partners.
What is Auto Services Insurance?
Auto services insurance protects businesses that repair, maintain, or service vehicles from risks including damage to customers' vehicles, on-site accidents, theft of tools, and liability claims. Coverage commonly includes garage liability, garagekeepers coverage, and general liability. Landlords and equipment lenders often require proof of insurance before leasing space or financing tools.
Garagekeepers Coverage
Protection for customer vehicles while they are in your care, custody, or control during service or repair.
Garage Liability
Covers accidents involving customer vehicles and claims arising from daily garage operations.
Tools and Equipment
Protects lifts, diagnostic equipment, hand tools, and other essential service assets.
Certificates
Fast proof of insurance for landlords, lenders, and commercial partners.
Who Needs Auto Services Insurance?
- Auto repair shops : Businesses requiring specialized insurance coverage
- Vehicle detailing services : Businesses requiring specialized insurance coverage
- Oil change and maintenance centers : Businesses requiring specialized insurance coverage
- Mobile mechanics : Businesses requiring specialized insurance coverage
Why Harper?
Auto Services Expertise
Auto service businesses face hands-on risks, including vehicle damage, lift accidents, tool theft, and employee exposure. Harper understands these realities and places coverage built for real service operations.
Fast Proof for Landlords and Lenders
Commercial leases and equipment financing often require insurance documentation. Harper delivers accurate certificates quickly and assists with additional insured requests to keep your business moving.
Clear, Practical Guidance
We explain garagekeepers, garage liability, tools coverage, and workers' compensation in clear terms so you understand how coverage applies to your services.
Coverage Matched to Your Services
Whether you operate a general repair shop, detailing business, oil change center, or mobile service operation, Harper helps align coverage with the work you perform.
Frequently Asked Questions
What insurance do auto service businesses need?
Most auto service businesses need garagekeepers coverage for customer vehicles, garage liability for operations, and property coverage for tools and equipment. Workers' compensation is required if you have employees.
Is auto services insurance required?
Landlords often require liability coverage, and lenders require coverage for financed equipment. Some municipalities also require insurance for business licensing.
How much does auto service insurance cost?
Costs vary by services, equipment, and revenue. Small mobile operations may pay $1,500–$3,000 annually, while repair shops with equipment often charge $3,000-$10,000 or more.
Does insurance cover damage to customers' cars?
Yes. Garagekeepers coverage can apply if a customer's vehicle is damaged while in your care during covered service or repair work.
Does insurance cover stolen tools?
Property coverage may protect tools and equipment from theft, fire, and other covered losses at your shop or in service vehicles.
Can I add my landlord as an additional insured?
Yes. Commercial landlords often require that Harper be added as an additional insured, and Harper assists with meeting lease requirements.