Garage insurance protects against a variety of liabilities often faced by garage owners and repair shops. These liabilities include things like customer slips and falls or damages resulting from faulty work. A single accident can result in a lawsuit that damages a business beyond repair, so it’s important to have accurate and sufficient coverage in place.
Protect your small business through the Progressive Advantage® Business Program. Our in-house agency can help you find business insurance through one of our trusted providers.
Who needs it?
Businesses that have a physical location such as a garage, parking lot or storage area used to repair or store vehicles usually need garage insurance. This includes:
- Automotive repair shops
- Body shops
- Tow or impound lots
- Muffler shops
- Transmission shops
- Auto dealerships
- Tire and battery repair facilities
- And many more
What does it cost?
Your garage insurance cost depends on various factors including your type of work, coverage needs, claims history and many others. For example, a repair shop with a recent claim of $28,000 can expect to pay more for insurance than a repair shop who’s claim free.
Other coverages garage owners might need
- Garagekeepers Legal Liability: Protects if you’re responsible the physical damage of a customer’s vehicle while it’s in your care, custody and control.
- Commercial Auto: If you use vehicles in your business, you’ll need a commercial policy. We insure vehicles common to garage owners including tow trucks and pickup trucks.
- Workers’ Compensation: Covers your employees’ medical costs and a portion of their lost wages should they become ill or injured on the job.
Get your free quote today!
We’ve made it easy for you to get all your insurance needs in one place. Start a quote online or call us to speak with an in-house agent who can help you get a customized garage insurance quote and commercial auto coverage today.