What Insurance Do You Need for an Auto Repair Shop or Dealer

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What Insurance Do You Need for an Auto Repair Shop?

Running an auto repair shop — or one that also sells cars as a dealer — means you need a specific mix of insurance coverages to protect your business, your building, and your vehicles.

In this video, we’ll break down what insurance you need for an auto repair shop, including how Garage Liability, Garagekeepers, and Dealer Open Lot (Dealer’s Blanket) Coverage all work together to keep you protected.

🔹 Garage Liability Insurance – Combines general liability and auto liability to protect your business from damage or injury caused by your operations or test drives.
🔹 Garagekeepers Coverage – Covers customers’ vehicles while they’re in your care for service, repair, or storage.
🔹 Dealer Open Lot / Dealer’s Blanket Coverage – Covers your inventory of vehicles held for sale from fire, theft, vandalism, hail, or collision.
🔹 Commercial Property Insurance – Protects your building, lifts, tools, equipment, and business contents.
🔹 Additional Coverages to Consider – Business Income coverage, workers compensation, Umbrella liability, and pollution liability coverage.

Whether you’re a small independent shop or a full-service repair and sales operation, having the right garage policy in place can protect your entire business from costly losses.