Getting insurance for an oil change auto shop

We can help you get insurance for your oil change shop.

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Getting quotes for your business is easy! You can begin with our quick quote form online, give us a call, or talk to us on Live Chat.

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Need oil change shop insurance?
We can help.

If you do oil changes at your auto shop, you’re probably trying to minimize the wait time for your customers. With all the activity that’s going on around the shop, you probably don’t want to slow down enough to think about your commercial insurance.

The entire thing just sounds daunting and stressful, right? But our team’s goal is to make insurance easy. Working with cars comes with a lot of risk, and that’s why it’s essential for you to have the right oil change shop insurance. Our team is here to help. 

How much does auto oil change shop insurance cost?

One major question you might have is what the price for auto shop insurance is. How much does oil change shop insurance cost? You might be a little worried about what the premium will be. The thing is that insurance rates are complicated and they depend on a lot of different factors. To find out how much your specific business is going to pay for your insurance, it’s a good idea to get quotes. (And that’s where our team can help!)

What coverages do oil change auto shops need?

If you have an auto shop that does oil changes, here are some of the coverage you might want to consider. 


Property insurance is an important one because you need to make sure that your business is properly protected against risks like fire. (Auto shops do have a lot of flammable items, after all.) 

Employee Dishonesty

Although no employer wants to consider the possibility of their employees stealing from them, employee dishonesty insurance can help you if an employee steals from you. 

General Liability

With customers coming and going and visitors coming onto your premises, general liability insurance can help if someone has a bodily injury or property damage insurance claim. 

Garagekeepers Exposure

Garagekeepers can help when you have your customers’ cars in your care, custody, and control. It can cover fire, vandalism, and theft. Taking care of other people’s cars is a big responsibility. 

Workers' Compensation

Workers’ compensation insurance can help if an employee is injured on the job. It can provide coverage for their medical bills, and it can also give them a portion of lost wages if they need time off to work. 


Umbrella insurance can provide coverage above and beyond the limit of your underlying liability policy. If your underlying policy taps out, umbrella can step in to start covering costs. 

Here are some of the recommended coverages for auto oil change shops:

  • Business personal property
  • Business income
  • Employee dishonesty
  • Money and securities
  • Accounts receivable
  • Computers
  • Goods in transit
  • Valuable papers and records
  • General liability
  • Employee benefits
  • Environmental impairment
  • Umbrella
  • Business Auto Liability and Physical Damage Insurance
  • Hired and Nonownership Auto
  • Garagekeepers
  • Workers’ compensation
  • Building
  • Earthquake
  • Flood
  • Leasehold interest
  • Real property legal liability
  • Computer fraud
  • Forgery
  • Signs
  • Cyber liability
  • Employment-related practices
  • Stop gap liability

How to get auto oil change shop insurance in 3 steps:

Talk with an agent

If you need commercial insurance quotes, reach out to our team by filling out our online form, giving us a call, or messaging us on LiveChat. One of our agents will have a conversation with you about your business.

Gather & review quotes

We work with many insurance carriers, so we can help you get multiple quotes for auto shop insurance. We’d be happy to go over the quotes with you and answer the questions you have. 

Pick your policy

Next, our team will be here to help with any insurance questions or issues that arise. You don’t have to deal with complicated insurance matters on your own. That’s what we’re here for. 

Get quotes for oil change shop insurance.

Our team understands the risks that your oil change shop faces. We can help you get the coverage you need to protect you from those risks, and you can get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat. We strive to help businesses get the insurance they need while also making insurance as easy and pleasant as possible. (We know - probably not two words you associate with insurance!)