Vehicles in your care
Damage to a customer’s vehicle is a specific coverage question. Ask about garagekeepers coverage and the applicable basis and limits.
BUSINESS INSURANCE / AUTO REPAIR SHOPS
Protect the shop customers trust with their keys.
Customers leave valuable property in your care every day. We help repair businesses look beyond a basic shop policy to the vehicles, work, equipment, and people involved.
THE WORK BEHIND THE BUSINESS
Insurance for auto repair shops.
Grounded in your day to day.
Mechanical repairs, bodywork, towing, test drives, and vehicle sales can call for different coverage. Describe the full operation and the vehicles stored at your premises.
Work and test drives
Garage operations and road use need a review of the actual policy form, drivers, and activities.
The workshop itself
Lifts, diagnostic tools, parts, and interruption expenses should be considered alongside liability.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
Commercial Property Insurance
Look at buildings, equipment, stock, valuation, and covered interruption needs.
Explore this coverageGeneral Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageWorkers’ Compensation Insurance
Review the work your team performs, payroll, and the locations where they work.
Explore this coverageCommercial Auto Insurance
Look at vehicles, drivers, and business use, including hired and non-owned auto questions.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Customers leave more than keys with you
Vehicles may be on your premises overnight, moved between bays or taken on a test drive. Those situations need attention alongside the tools and machinery you own.
Tell us the services you perform and the maximum value of customer vehicles in your care. We’ll help you review garage-related coverage questions and avoid treating customers’ cars like ordinary business stock.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Repair services and test-drive practices
- Customer vehicle values and overnight storage
- Shop equipment and employee duties
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Is general liability enough for customer cars?
Do not assume it is. Garage liability and garagekeepers coverage are specialized topics. We’ll help identify what needs review for your shop.
Does a change to towing or bodywork matter?
Yes. New services can change the available coverage and underwriting requirements. Tell us before expanding the operation.
What affects the cost of insurance for auto repair shops?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as repair services and test-drive practices, customer vehicle values and overnight storage, shop equipment and employee duties help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.