Auto Repair Shop Business Insurance (BOP, Garage & Garagekeepers)
Protect your shop, your customers’ vehicles, and your team. We build policies that check every box—General Liability, BOP, Garage Liability, Garagekeepers, Tools & Equipment, Workers’ Comp, and Commercial Auto—with fast COIs for landlords, fleets, and dealer partners.
General Liability
Third‑party injury/property damage on your premises or during operations.
How It WorksBOP (Property + Income)
Bundle GL with business property & business income for your shop/office.
Learn MoreGaragekeepers
Covers customers’ autos in your care, custody, or control.
GK DetailsTools & Equipment
Scanners, lifts, tire machines—covered on‑site and in transit.
Add‑OnsWorkers’ Comp
Protects your techs and meets state requirements.
Learn MoreCommercial Auto
Service vans and pickups; add HNOA for errands & parts runs.
See DetailsWhat’s in an Auto Repair Business Policy?
- General Liability (GL): Slip‑and‑fall, customer injuries, damage to others’ property.
- Business Owners Policy (BOP): GL + Business Property (contents, tools, office) + Business Income after a covered loss.
- Garage Liability: Auto service/operations liability beyond standard GL.
- Garagekeepers (GK): Physical damage to a customer’s car while in your care.
- Commercial Auto: Liability and physical damage for shop‑owned vehicles; add Hired & Non‑Owned Auto for borrowed/staff vehicles.
- Workers’ Compensation: Medical and wage benefits for injured employees.
- Tools & Equipment (Inland Marine): Covers mobile tools, diagnostic gear, lifts (scheduled), and rented/leased equipment.
- Umbrella/Excess: Extra liability limits for landlord or fleet contracts.
Tip: Many landlords and dealer/fleet partners require Additional Insured, Waiver of Subrogation, and Primary & Non‑Contributory wording on COIs. We’ll include the right endorsements so you’re contract‑ready.
Common Risks We Cover
- Damage to customer vehicles on site or during test drives
- Premises injuries (customers/vendors)
- Fire, theft, vandalism at the shop
- Tool/equipment theft and breakdown (where available)
- Auto accidents during parts runs or pick‑ups
Ask about Pollution/Environmental for waste oil/chemicals, and Cyber for POS/customer data.
Garagekeepers: Protecting Customers’ Vehicles
- Coverage Triggers: Fire, theft, vandalism, collision while you’re moving the car, and more—per policy terms.
- Legal Liability vs. Direct Primary: Legal Liability pays when you’re legally liable. Direct Primary responds regardless of fault (often preferred for customer service).
- Limits & Deductibles: Choose per‑vehicle and per‑occurrence limits; optional per‑auto deductible to improve pricing.
- In/Out of Building: Confirm whether lot storage and road testing are covered.
We’ll right‑size your per‑auto and aggregate limits based on the number and value of vehicles on site.
Who Is This For?
- General auto repair & diagnostics
- Tire, brake, alignment & suspension shops
- Quick lube & smog/inspection
- Body & paint (ask about booth/filters requirements)
- Mobile mechanics (eligibility varies)
- Fleet maintenance operations
Solo owner‑ops to multi‑bay shops—we tailor coverage to your work mix and contracts.
Contract‑Ready COIs
- Additional Insured (AI) — landlords, dealers, fleet partners
- Primary & Non‑Contributory wording
- Waiver of Subrogation
- Per‑location aggregate (where available)
- Scheduled tools & rented equipment
We issue fast certificates so you can open accounts and start turning wrenches.
Popular Add‑Ons
- On‑Hook Towing (if you tow customer vehicles)
- Dealers Open Lot (for sales lots; ask if applicable)
- Employee Tools and Borrowed/Rented Equipment
- Cyber Liability for POS and customer data
- Employment Practices Liability (EPLI)
- Pollution/Environmental for shop operations
Ways to Save
- Bundle BOP + Auto + Workers’ Comp + Umbrella
- Install/maintain fire suppression and CCTV
- Secure lot, fencing, lighting, and key control
- Driver screening and MVR monitoring
- Choose deductibles you can comfortably carry
Why Choose JSSR Insurance Agency
Auto Service Expertise
Garage/GK forms, tow & roadside, dealer/fleet COIs
Fast & Friendly
Direct access to an agent—no call center
Competitive Options
Multiple carriers, flexible billing, growth‑ready limits
Service Area
We insure auto repair businesses across California (San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Ripon, Mountain House, Modesto, San Jose, Fremont, Santa Clara County, Sacramento, Fresno, Los Angeles, San Diego) and nearby states as needed.
Frequently Asked Questions
GL vs. Garage Liability—what’s the difference?
GL addresses many premises/operations risks. Garage Liability is tailored to auto service operations and can address risks related to test drives and service operations (see policy for specifics).
Garagekeepers vs. Garage Liability?
Garagekeepers covers customers’ vehicles in your care, custody, or control (e.g., fire, theft, collision while you’re moving the car). Garage Liability addresses your liability as an auto service business.
How much Garagekeepers limit should I carry?
Consider the max number of customer vehicles on site and their average/peak value. Choose per‑auto and per‑occurrence limits to match. We’ll help you size it.
Are employee tools covered?
Often limited or excluded unless scheduled. Ask about Employee Tools coverage and inventory requirements.
Do you add AI/Waiver for landlords and partners?
Yes. We routinely issue COIs with Additional Insured, Waiver of Subrogation, and Primary & Non‑Contributory wording.
Ready for a Fast, Competitive Quote?
Tell us your bays, staffing, equipment list, and contracts. We’ll compare carriers and send your COI fast.
Call (209) 701‑6900 Book a Time
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Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
