Auto Repair Shop Insurance
Robust coverage safeguarding your auto repair business, providing peace of mind with property and guest protection, allowing you to focus on quality services while knowing your shop is secure.
Safeguarding your expertise with tailored solutions that grasp industry complexities.
Drawing upon auto repair industry knowledge spanning four decades, our expert advisors bring in-depth understanding of shop risks to every client relationship. We collaborate closely with you to develop solutions safeguarding against vehicle repair errors, environmental exposures, and workplace hazards while anticipating new regulatory shifts. Our ongoing support ensures your auto service operation maintains robust protection as your facilities and services grow.
Backed by accredited risk specialists, our insurance team supports auto repair shops of all sizes, from quick lube shops to full-service mechanical garages. Consistently analyzing OSHA regulations, EPA compliance, and emerging technical hazards, we proactively identify protection gaps. This expertise allows us to provide comprehensive coverage against workplace accidents, environmental risks, and equipment breakdown liabilities.
We exceed basic auto repair shop coverage to deliver tailored solutions for your industry needs. Our policies span from property damage and equipment breakdown to professional liability and employee injuries, ensuring comprehensive protection with no vulnerabilities left unchecked.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Covers third-party injurieson the premises, including customers, vendors, and other visitors
• Protects against property damagecaused by operations, products, or completed work
• Includes coverage for advertising injurieslike libel, slander, and copyright infringement
• Provides defense costs and settlementsfor covered claims against the business
• Covers physical assets like buildings,equipment, tools, and inventory
• Protects against damages from fire,theft, vandalism, and natural disasters
• Includes business interruption coveragefor lost income and operating expenses
• Provides coverage for outdoor signsand other property not attached to buildings
• Covers errors and omissionsin services provided, like faulty repairs
• Protects against negligence claimsfrom customers or third parties
• Includes coverage for legal defense costsand settlements from covered claims
• Provides coverage for temporary staffand subcontractors working under the business
• Covers owned and leased vehiclesused for business purposes
• Protects against liability for bodily injuryand property damage in accidents
• Includes coverage for rental vehiclesused for business travel
• Provides coverage for towing servicesand temporary vehicle substitutions
On average, Auto Repair Shop Insurance costs around $2,000 annually; however, individual premiums vary based on several factors:
Larger auto repair shops generating higher revenues typically face increased liability risks, leading to higher insurance premiums to provide adequate coverage.
Shops offering specialized services like luxury vehicle repairs or extensive body work often require higher premiums than basic maintenance services.
Auto repair shops with a history of frequent claims or high-risk operations may face elevated premiums to account for potential liabilities.
Shops located in areas with higher crime rates or vehicle theft incidents typically pay more for insurance due to increased risks.
Implementing robust safety protocols, employee training, and risk management practices can help auto repair shops qualify for lower insurance premiums.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Repair equipment is typically covered under most auto repair shop insurance policies, but certain exclusions may apply. The policy should explicitly list covered equipment, like lifts and diagnostic tools. Coverage limits and deductibles may vary based on equipment value and age. Keeping equipment well-maintained and following manufacturer guidelines helps minimize risks. Regularly reviewing policy details is advised.
Most auto repair shop insurance policies include general liability coverage for damages resulting from employee negligence or errors. However, intentional misconduct or gross negligence may not be covered. Maintaining proper training, supervision, and quality control measures can help mitigate risks. Reviewing policy exclusions and reporting potential claims promptly are recommended to ensure appropriate coverage.
Auto repair shop insurance premiums are based on several risk factors, including business size, services offered, location, claims history, and safety protocols. High-risk activities like customizations or specialized repairs may increase costs. Maintaining a safe workplace, implementing risk management strategies, and shopping around for competitive rates can help optimize premium costs while ensuring adequate coverage.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
