Keep cars moving. We'll help protect the rest
Running a shop means tight schedules, expensive tools and customers' cars in your care. One slip — an injury, a fire, a road test fender‑bender, or a data breach — can stall your day. Our expert Insurance Advisors help you line up coverage that fits how your bays, people and parts really work.
What we cover
At Gallagher, we know the challenges you encounter running an auto repair shop. Our small business insurance advisors work with you to create a program designed to fit your needs. Learn more about coverage options below:
- Business owner's policy (BOP): A comprehensive package that includes essential coverages such as general liability, building, property and business interruption coverage to safeguard against unexpected events at your auto repair shop.
- Commercial auto insurance: Covers the damages to vehicles, as well as any liability for injuries to other parties involved in an accident while a company vehicle is used to test drive or pickup a customer's car.
- Cyber insurance: Covers the costs associated with a business data breach or hackers accessing sensitive client information, such as notifying affected clients and providing credit monitoring services.
- Professional liability insurance: Protects you against claims of negligence or errors, such as if a repair you performed leads to further damage to a customer's vehicle, by covering the costs associated with rectifying the issue.
- Umbrella and excess liability insurance: Provides additional coverage if a serious accident occurs on your premises and the resulting claim exceeds the limits of your general liability insurance.
- Workers' compensation: Covers medical expenses and provides wage replacement if one of your employees gets injured while working, such as suffering a back injury while lifting an engine or being burned on vehicle parts.
Pro tip (optional add): Many shops also include Garage Liability and Garagekeepers coverage to address operations exposure and customers' vehicles in your care (on the lift, in the lot, or on a road test).
Why automotive repair shops choose Gallagher
Choice: We offer more value from broader market access: Backed by Arthur J. Gallagher, we leverage deep carrier relationships to match you with the right coverage at the right price.
Auto repair know‑how: We insure thousands of auto repair shops across the country. Our licensed small business team works with full‑service and specialty shops every day and understands the risks unique to diagnostics, drivability, body work and performance.
Claims advocacy: If something happens, we're here to help you communicate with your carrier and move claims forward — fast.
Commitment to Excellence: At Gallagher, we pride ourselves on delivering top-notch customer service. Our dedicated team is available to support you whenever needed, ensuring your peace of mind.
Support that fits your pace: Use our self‑service portal 24/7, or speak with an advisor whenever you need help.
How we work with you
Auto repair businesses face many risks every time a customer car enters the lot. Whether you provide regular tune-ups and maintenance, install new transmissions or return cars to their former glory, things can go wrong putting you at risk. Our small business risk experts work with full service and specialty auto repair business owners every day and understand the complex risks you face.
Our team of licensed small business insurance advisors speaks your language with the goal of making your experience simple and worry-free. We take the time to:
- Listen: We learn how you run your shop — services, staffing, equipment, vendors, loaners, test‑drive practices — and what you need to protect.
- Gather: We collect what's needed (applications and basics) so you don't have to repeat yourself.
- Negotiate: We go to market for comprehensive, auto‑repair‑specific coverage.
- Review: We walk you through a clear proposal — line by line.
- Secure: We provide the proper coverage to make sure your business is protected.
Want to learn more about auto repair shop insurance? Contact our small business insurance advisors.