Get insurance for your mechanic shop.

Our team can help you get the right insurance for your shop. 

Start your quotes online now

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 insurance for a mechanic shop?

A mechanic shop can be a very busy place to work. Between the cars coming in to be fixed, the actual repairs, and the customers coming to pick up their recently-fixed cars, there’s always a lot going on. And with all the chaos that normal day can entail, you face a lot of risk.

That’s why it’s so important to get the mechanic shop insurance you need to protect your business. However, you might not be sure where to start with getting quotes for (hopefully less expensive) mechanic insurance. And that’s where our team can help! 


How much does mechanic shop insurance cost?

You also might be wondering about the cost of this mechanic shop insurance. Well, there are many things that influence insurance prices. To get an accurate idea of how much mechanic shop insurance costs, it’s a good idea to get insurance quotes. That’s where our team can lend a hand. We can help you get quotes for your insurance so you can compare rates and get an answer to the question of how much auto shop insurance costs. 

What coverages do mechanic shops need?

If you have a mechanic shop, you might want to consider these coverages:


Property insurance can protect you if you experience a loss like a fire. You have a lot of property-related risks since you’re working with flammable things like chemicals and such, so it’s important to have the right property insurance. 

Employment Practices Liability Insurance

This can help you if one of your employees brings a claim of wrongful termination, discrimination, or harassment. 

General Liability

General liability insurance can help you if one of your customers or guests experiences bodily injury - for example, a slip-and-fall.

Garagekeepers Exposure

Garagekeepers insurance can help you out if you have care, custody, and control of your customers’ cars. It can cover losses like fire, vandalism, and theft if one of these fates befalls one of your client’s cars. 

Workers' Compensation

Workers compensation can help if one of your employees is injured on the job. It can cover their medical bills, and it can provide a portion of their lost wages if they are unable to work for a time due to their injuries. 


Umbrella insurance can help you if you have a claim that exceeds the limits on your underlying liability policy. It provides coverage that goes above and beyond what’s on your underlying policy. 

Here are the minimum recommended coverages for mechanic’s 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
  • Hired and Nonownership Auto
  • Garagekeepers
  • Workers Compensation
  • Building
  • Earthquake
  • Flood
  • Leasehold Interest
  • Real Property Legal Liability
  • Computer Fraud
  • Forgery
  • Signs
  • Cyberliability
  • Employment-related Practices Liability
  • Stop Gap Liability

How to get mechanic shop insurance in 3 steps:

Reach out to our agents

You can fill out our online form, give us a call, or message us on LiveChat. The next thing is having a quick conversation with us about your business and what kind of insurance you’ll need to protect yourself from the risks you face. 

Get quotes and evaluate

Then we’ll actually go and get insurance quotes for your auto shop. You might have a lot of questions about the mechanic shop insurance quotes. And that’s fine by us - we enjoy talking about insurance, so ask away! 

We're here to help

If you ever run into an insurance issue or an insurance question, our team will be here to help with that. We won’t leave you to figure out insurance matters on your own.

Get quotes for mechanic shop insurance.

Our team of insurance pros understand the risks that you face running a mechanic shop. We would be more than happy to help you with getting the insurance you need to protect your business. To get started with quotes, send us a message on LiveChat, give us a call, or fill out our online form. We’re here to help you navigate the sometimes confusing and intimidating world of commercial insurance.