INSURANCE FOR
BUSINESS STRATEGIES FOR
What Auto Repair Shop Insurance Protects
Auto repair shops face daily risk from tools, lifts, customer vehicles, employees, and fast-paced operations. Whether you run a full-service mechanic shop, quick-lube facility, or specialty service center, the right insurance helps protect your:
✓ Business property & equipment
✓ Customer vehicles in your care
✓ Liability exposure
✓ Employees & operations
✓ Cash flow & business continuity
✓ Reputation & long-term stability
From small garages to high-volume service centers, proper insurance ensures your shop stays productive, compliant, and protected from unexpected claims or losses.
Auto Repair Shop Insurance typically covers:
Garage Liability
Covers injuries or property damage that occur during shop operations.
Garagekeepers Coverage
Protects customer vehicles while they're in your care—whether parked, test-driven, or being repaired.
Business Property
Coverage for tools, lifts, diagnostic equipment, machinery, office systems, and building structures.
Commercial Auto
Protects business-owned vehicles or service trucks used for towing, pickup, or delivery.
Workers’ Compensation
Coverage for employee injuries—critical for shops with physical labor and tool-based work.
Business Interruption
Replaces lost income if a covered loss shuts down your shop temporarily.
Note: Garagekeepers is one of the most essential coverages for repair shops—as customers trust you with one of their most valuable assets.
Why Auto Repair Shop Insurance Isn’t Optional
Shops operate under constant risk. Without the right policy, you may face:
Customer lawsuits for damaged or stolen vehicles
Expensive equipment breakdowns
Fire, theft, or vandalism losses to tools and machinery
Employee injury claims
Liability from road-testing customer vehicles
Loss of revenue if operations halt unexpectedly
Common claims include:
Scratches, dents, or damage to customer vehicles
Garage fires
Lift or equipment malfunctions
Slip-and-fall injuries
Test-drive accidents
Proper coverage ensures your facility can continue providing care without financial interruption.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.