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Auto Mechanic Insurance
Tailored auto repair insurance for your small business
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Specialized insurance for auto mechanics and repair shops
Auto repair shops stay busy with customers, cars, and mechanics coming and going each day. With heavy machinery and equipment in play, protecting your business from unexpected costs is essential. That's where insurance comes in. The right policy can account for the unique aspects of your industry so you can keep the engines revving.
What is auto mechanic insurance?
Auto mechanic insurance is business coverage designed for auto repair shops and mobile mechanics. It can protect against common risks like workplace injuries and property damage. The right policy minimizes financial loss from expensive claims and lawsuits, so you can focus on getting customers back on the road.
Insure your small business through Progressive Commercial. Our licensed professionals can help you find a custom policy for your auto mechanic business. Call us or start an online quote today.
Why auto repair insurance for mechanics is important
Auto mechanic insurance helps protect your business from the risks that come with running a busy shop. Every day, mechanics work with heavy tools and equipment, and customers trust you to keep their vehicles safe. Without the right coverage, accidents, property damage, or injuries could lead to costly setbacks.
The right auto repair shop insurance can give you peace of mind and keep your business running like a well-oiled machine, even when things don't go as planned.
Having proper coverage also builds trust with your customers and business partners. Some may even require a certificate of insurance (COI) before starting a job. When you have a policy with Progressive Commercial, getting a COI is quick and easy.
Who needs auto mechanic liability insurance?
If your business provides repair, maintenance, restoration, and other vehicle services, you should consider auto mechanic insurance. Professions that can benefit from this coverage include:
- Auto repair shops
- Independent mechanics
- Collision and body shops
- Garage owners
- Auto detailers
- Vehicle inspection stations
Even if you operate as a sole proprietor or member of an LLC , auto mechanic insurance is still an important protection for your business.
Common types of auto mechanic insurance
Auto mechanics and technicians need insurance for various reasons, like protecting expensive equipment or covering accidental damage to customer vehicles. Here are some coverages to think about when building a policy.
General liability (GL)
Protects against third-party injury and property damage
General liability (GL)
Protects against third-party injury and property damage
Auto repair shops need general liability coverage to protect against incidents like customer slips and falls or damage to their property. Learn more about the benefits of general liability.
Example: A customer waiting for their car to be serviced slips on an oil spill and fractures their elbow. GL coverage can help with hospital bills and legal claims.
Business owners policy (BOP)
Flexible liability and property coverage
Business owners policy (BOP)
Flexible liability and property coverage
A BOP combines liability and commercial property insurance into one flexible policy. You can tailor protection with optional BOP coverages to fit your business's needs. For instance, adding equipment breakdown coverage to your BOP could help if your important machinery stops working.
Example: A customer loses control of their car in the parking lot. It hits the front door, shattering the glass. Your BOP's commercial property damage could pay to repair your building.
Garagekeepers legal liability
Covers customer vehicles in your care
Garagekeepers legal liability
Covers customer vehicles in your care
Garagekeepers legal liability coverage can help if you're found responsible for damage to a customer's vehicle while it's in your care, custody, and control.
Example: A customer's vehicle stored at your repair shop is vandalized overnight. This coverage can help pay for repairs.
Commercial auto
Safeguards your business vehicles
Commercial auto
Safeguards your business vehicles
If you're a mobile mechanic or use vehicles for your business, you'll probably need a commercial auto policy. We insure vehicles commonly used in the auto repair business, such as pickups and tow trucks. Explore your state's requirements for commercial auto.
Example: While test driving a customer's car prior to service, your mechanic gets into an accident. Commercial auto covers the cost of repairing the vehicle.
On-hook towing
Covers damage to vehicles being towed
On-hook towing
Covers damage to vehicles being towed
If your shop operates a tow truck, on-hook towing is essential protection. It covers damage to a vehicle while it's being towed.
Example: You pick up a customer's vehicle after it breaks down. While towing to your shop, you swerve to miss an animal and the car is damaged. Your on-hook coverage can help pay for repairs.
Workers' compensation
Protects employees who get injured on the job
Workers' compensation
Protects employees who get injured on the job
Workers' compensation supports employees who get injured on the job or have a work-related illness. See your state's workers' comp requirements to figure out if you need coverage.
Example: One of your mechanics cuts their hand while using a hydraulic lift. Workers' comp would cover their medical bills, rehab, and lost wages.
Protect your tools when working off-site
If you take your tools and equipment to a job site or store them away from the garage, consider adding inland marine insurance as an endorsement to your GL or business owners policy. It can protect your property from theft, vandalism, and other incidents.
What does auto mechanic insurance cost?
Your auto mechanic business insurance cost depends on the specific type of work you do. For example, an auto mechanic who owns a garage and stores customer vehicles on site will have a different rate than a mobile mechanic who uses a work vehicle to travel to various locations. Insurers use the following factors when determining your rate:
- Business location
- Coverage needs
- Type of operation
- Number of employees
- Equipment value
- Claims history
Commercial auto coverage is priced as a separate policy. Your business auto insurance cost will also consider the number and type of vehicles along with your driving history. Luckily, you can get vehicle insurance discounts through Progressive Commercial for things like having an in-force general liability or BOP. Ask about your options when getting a quote.
Why choose Progressive Commercial for auto mechanic insurance
For over 50 years, small businesses like yours have trusted us to provide flexible coverage options, competitive rates, and exceptional customer service. Our business insurance experts can help you find protection that matches the needs and budget of your auto mechanic or auto repair business. Start a quote online or call us to talk to an agent.
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