From customer cars in your bays to heavy equipment and employee safety, our policy packages cover every operational risk.

Liability & Customer Vehicles

Physical Assets

Road & Workforce

Specialty Risks

Garage Liability & Garagekeepers

Property, Income & Equipment

Commercial Auto & Workers' Comp

Pollution, Cyber & Umbrella

Protects against third-party injuries in your shop and covers customer vehicles for loss or damage while under your care, custody, and control.

Safeguards your building, vehicle lifts, diagnostic tools, and compressor systems, plus replaces lost business income during covered interruptions.

Covers road testing, service trucks, and loaners alongside medical and disability protection for technicians injured on the job.

Defends against oil or chemical disposal liability, client data breaches, employee theft, and excess lawsuit judgments.

Underwriting Guide

Information Needed for Your Quote

Shop & Facility Details

Sales & Services Breakdown

Technicians & Drivers

Lift & Fleet Inventory

Building square footage, spray booth specifications, fire suppression equipment, alarm systems, and physical property valuation.

Employee headcounts, technician experience, payroll numbers for Workers' Comp, and valid licenses for road testing vehicles.

List of shop-owned service vehicles, customer loaner fleets, specialized alignment machines, and diagnostic tool schedules.

Annual revenue split across mechanic repair labor, tire sales, body work, parts distribution, and towing operations.

Built Specifically for Independent Service Centers

100%

Custom bay and vehicle limits

$1M+

Garagekeepers liability limits

24/7

Direct claims reporting