Insurance for Collision Repair Shops
Collision repair shops face many unique challenges, between the day-to-day tasks, workplace safety, meeting customer demands and managing deadlines; running an repair shop can be demanding. We can ease the burden by helping to navigate the ever-changing requirements of insurance. AutoRisk can scale customizable property and liability insurance solutions to handle your unique needs. We offer the right products and services to help protect your business.
Frequently Asked Questions about Repair Shop Coverage:
States AutoRisk Provides Insurance Coverage:
Colorado – California – Texas – Wyoming – Arizona – New Mexico – Utah – Kansas – Missouri – Oklahoma – Arkansas – Idaho – Iowa – Indiana – Nebraska – Nevada – North Dakota – South Dakota – Montana
What types of insurance coverage does an auto repair shop need?
Most auto repair shops need a combination of coverages, including General Liability Insurance, Garage Liability Insurance, Garagekeepers Insurance, Commercial Property Insurance, and Workers’ Compensation. Together, these protect the business from liability, property damage, customer vehicle damage, employee injuries, and more.
What is Garagekeepers Insurance and why do I need it?
Garagekeepers Insurance protects customer vehicles while they are in your care, custody, or control—whether parked, test-driven, or being repaired. This coverage is essential for any shop that stores customer vehicles on-site.
Is General Liability Insurance enough for my auto repair business?
No. General Liability covers third-party bodily injury and property damage, but it does not protect you from damages to customers’ vehicles or liabilities arising from test drives or service errors. Garage Liability and Garagekeepers Insurance are also necessary for full protection.
Can I bundle all of my insurance policies into one?
Yes. At AutoRisk we specialize in Dealer Package Policies that consolidate all your necessary coverages under one streamlined program. This makes it easier to manage renewals, billing, and claims—and may reduce your total premium.
Are my employees covered when test-driving or transporting vehicles?
Yes, when you have Garage Liability and Commercial Auto coverage in place, your employees are typically covered when driving dealership vehicles for business purposes. We ensure your policy language includes this crucial protection.
Are my employees covered if they’re injured on the job?
Only if you carry Workers’ Compensation Insurance, which is required in most states. This coverage pays for medical expenses and lost wages due to job-related injuries or illnesses.
What does Garage Liability Insurance cover?
Garage Liability Insurance combines elements of General Liability and Auto Liability. It protects your business if a customer or third party is injured due to your operations or a vehicle being driven by an employee during work-related tasks.
Does insurance cover faulty workmanship or customer complaints?
Typically, standard policies don’t cover faulty workmanship. However, some insurers offer Errors and Omissions (E&O) or Professional Liability Insurance to cover certain claims related to negligence or service errors. It’s important to discuss these options with your agent.
What do I need to know about OSHA regulations?
Required Insurance
for Collision Repair Shops:
Errors and Omissions
Garagekeepers
Garage Liability
Commercial Auto
Property
Workers’ Compensation
Recommended Insurance:
We understand that protecting your business requires more than an insurance policy. Our specialization allows us to create safety and compliance programs which are relevant to any business in the automotive industry.
Business needs and suitability vary greatly, so as you explore special coverages needed for your business it will be important to work with a professional experienced with knowledge of your industry. Our experience working with businesses that require coverage in the automotive industry are unmatched.
Call for a Quote – (720) 445-6959
Call for a Quote
(720) 445-6959
