Garage & Body Shop Insurance

Garage Insurance 101

Commercial Package, Commercial Auto & Umbrella Liability:

  • Quote available same day
  • A+ (XV) rated carrier by A. M. Best Company

Personalized Service & Unmatched Rates

Comprehensive, cost-effective solutions to meet your needs. Let us do the research to ensure your entire fleet is fully covered as it grows, mile after mile, year after year.

  • Auto quick lube shops (oil and lube)
  • Auto repair or service shops including
    • Auto body / collision repair
    • Auto glass repair / installation
    • Brake shops
    • Muffler shops
    • General / mechanical repair
    • Sound / alarm system installation
    • Transmission repair
  • Retail auto parts and accessories stores – new parts only
  • Retail tire stores
  • Special causes of loss – property form
  • Property coverage extensions
  • Equipment breakdown protection
  • Crime – employee dishonesty, forgery or alteration, money and securities
  • General liability and employee benefits liability
  • Business auto liability and physical damage
  • Garagekeepers – direct or legal liability basis
  • Umbrella liability – excess and umbrella
  • Total insured property values of $5 million or less per location or $10 million or less total insured values per policy for all locations
  • Buildings must be equipped with appropriate emergency exit signs and lighting and burglary / fire / smoke detector systems. UL certified, central station alarm systems are preferred
  • Each business must operate out of a fixed location(s) within a single state
  • Minimum of three years in business or equivalent industry management experience
  • 50 or fewer employees
  • Roof, electrical or plumbing systems for older buildings must be updated in the last 15 years
  • Commercial auto schedules with 10 or fewer power units including three or fewer tow trucks: towing should be primarily for towing customer autos
  • Vehicle driving radius up to 200 miles

Insurance That Moves

We believe that every towing or trucking company, no matter the size, should have an equal shot at getting complete insurance coverage at a fair price.