Commercial
Garage & repair shop
Coverage for auto shops: your premises, tools, and customers' vehicles.
What it covers
The essentials, at a glance.
In practiceA customer's car is damaged by fire in your bay or stolen off your lot, and garagekeepers coverage pays for their vehicle.
Not coveredDamage that was already on the car before you took it isn't covered.
In practiceYour lifts, diagnostic gear, or hand tools are stolen or damaged, and this pays to replace them.
Not coveredEveryday wear on tools isn't covered, only sudden accidental loss.
In practiceA customer is hurt in the waiting area, and general liability covers the injury claim.
Not coveredA repair that goes wrong and causes a loss is a professional-liability question, confirm that coverage.
In practiceA fire or break-in damages the building and your stock of parts, and property and contents respond.
Talk to a local broker
Cover the cars in your care and the shop around them.