Auto service garage insurance is a specialized package of coverages designed to protect businesses that repair, service, or maintain vehicles—such as auto repair shops, body shops, brake/muffler shops, tire dealers, and service stations.
Key Coverages (not limited to):
- Garage Liability Insurance
- Garage Keepers Insurance
- Commercial Property Insurance
- Business Interruption Insurance
- Tools & Equipment Breakdown
- Workers’ Compensation
- Commercial Auto Insurance
- Pollution Liability (optional)
- Employee Dishonesty / Crime Insurance
- Employment Practices Liability
- Commercial Umbrella/Excess Policy
Why It Matters:
- Addresses the unique risks of handling and servicing customer vehicles.
- Helps protect against costly lawsuits, property damage, and theft.
- Often required by landlords or lenders for leased garages.