Auto Mechanic Insurance
Find garage coverage for your automotive repair business. Compare policies from leading national insurers. Get a quote in minutes.

Insuring over 1 million small business owners worldwide.
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Do I Need Garage Liability Insurance?
In your line of work, preventive maintenance is key to helping your customers avoiding big trouble down the road. Having garage liability insurance can do much the same for your auto repair or body shop. Here are some coverages that can help to protect your business.
What Type of Garage Liability Insurance Do I Need?

Business Owner’s Policy Insurance (BOP)
General liability, property insurance, and more, all in one convenient package. Just what a busy mechanic needs.

Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full or part-time employees. Can also benefit business owners without employees.
Business Personal Property Insurance
Cover the cost of replacing or repairing equipment, furniture, fixtures, and inventory that you own, use, or rent in your workspace.
What Does Auto Repair Shop Insurance Cover?
A vehicle’s warranty offers financial protection from many costly repairs. But without a vehicle warranty, a customer could face a big repair bill. Much the same is true for garage liability insurance. Without it, you might have to pay out of pocket for property damage, tool theft, or employee injuries.

Injury to a customer in your shop
A customer slips on an oily rag that was inadvertently left on the waiting room floor and breaks their ankle. You could be responsible for their medical bills, legal fees, and other costs associated with a claim. General liability coverage as part of your business owner’s policy could help pay for those types of third-party claims.
Damage to someone else’s property
While backing a vehicle out of a service bay, one of your employees runs into the garage door they thought was open. Consequently, you have to add body work and paint to the list of repairs, and you could be held responsible for the cost. General liability insurance, as part of a business owner’s policy, could help cover those unexpected costs.
Damage to your garage
A vehicle that you’re moving out of the garage hits the door frame, causing structural damage that must be repaired. Your business owner’s policy with commercial property coverage can help cover those repairs.

Interruptions to your business
Another feature of a business owner’s policy is business interruption insurance. This can help cover lost revenue if your shop is forced to close as a result of damage from a fire, water, wind, or other covered events.

Tool and equipment theft
There’s a break-in in the middle of the night at your shop, and expensive tools and diagnostic equipment are stolen. Business personal property coverage as part of your BOP insurance may help take care of replacing those items.

Injured or sick employees
Your employees work hard, and one of them hurts their back removing a tire from a vehicle on a lift. That’s why workers’ compensation insurance is important to have as part of your garage insurance coverage. It’s often legally required and it can protect your business from costly claims, as well as taking care of your staff if they get sick or injured on the job. Workers’ comp insurance can help cover medical costs, as well as rehab expenses, lost wages, and funeral and survivor benefits.
Even if you’re the one doing all the work in your shop, we also recommend workers’ comp to take care of yourself, especially since many health insurance policies won’t cover work-related injuries.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Garage Coverage Cost?
Try our Garage Liability Insurance Calculator
Get a quick estimate in just 3 steps.

Answers to More Auto Repair Shop Insurance Questions
Is garage liability insurance required by law?
Most states require carrying workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
How much does garage liability insurance cost?
The cost for your insurance coverage is largely determined by the type of work you do, the kinds of risks you’re exposed to, the square footage of your shop, and the number of employees you employ.
Some other factors can include where your garage is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices for online garage coverage in just 10 minutes right here.
What should I consider before buying garage liability insurance?
If you’re thinking of buying business insurance, we recommend having the following information when using our garage insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or protecting your shop and your tools and equipment, we can help find the coverage you need for your garage business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.