Auto Service & Repair Insurance

Your customers turn to you to maintain their vehicle or repair it after an accident because they trust you to do it right.

We offer a comprehensive auto service insurance program for independent or franchise mechanical or auto body repair operations to protect your business, your employees and your customers.

Qualifications for this program…

  • Automobile body and paint shops – with UL-approved spray finish facilities
  • Automobile and light truck repair or service shops
  • Automobile parts and supplies stores – with or without repair services
  • Automobile parts and supplies distributors (including manufacturers’ rep)
  • Automobile electronics and accessory installation shops
  • Detailing or custom cleaning services
  • Employ properly-trained, certified and credentialed technicians (ASE, I-CAR, MECP, MESA)
auto repair shop insurance

Automobile Service & Repair Program Highlights

Property & Casualty


Protect your business with these Property / Casualty insurance coverages:

  • General Liability
  • Property
  • Garage Keepers Liability – Offered with Legal Liability or Modified Direct Coverage
  • Automobile Liability
  • Inland Marine
  • Workers Compensation
  • Umbrella



 Standard Property Coverages:

  • Actual Loss Sustained Business Income for up to 12 months
  • Business Income from Dependent Properties – $5,000 included with higher limits available
  • Equipment Breakdown
  • Peak Season – 25% of Business Personal Property Limit
  • Newly Acquired or Constructed Property – $250,000 Building, $100,000 Business Personal Property
  • Removal of Insurance-to-Value Provision – no coinsurance

Optional Property Coverages:

  • Agreed Value
  • Blanket Insurance
  • Business Income – Extended Period of Indemnity
  • Extended Replacement Cost Valuation – Building
  • Ordinance Or Law
  • Outdoor Signs
  • Utility Services – Direct Damage and Time Element
  • Water Backup from Sewers or Drains



 Standard Liability Coverages:

  • Aggregate Limit of Insurance – 2X occurrence
  • Broadened Named Insured – includes volunteers

Optional Liability Coverages:

  • Aggregate Limit of Insurance by location
  • Condominium Directors and Officers Liability
  • Electronic Data Liability
  • Employee Benefits Liability
  • Employment Related Practices Liability



Included on Inland Marine and Crime Standard Coverages:

  • Accounts Receivable – $25,000 included with higher limits available
  • Valuable Papers and Records – $25,000 included with higher limits available
  • Money and Securities – $10,000 on premises and $5,000 off premises with higher limits available
  • Employee Dishonesty – $5,000
  • Forgery and Alteration – $5,000
  • Computer Hardware and Software included within Business Personal Property
    • Data – up to $10,000 included
    • Interruption of Computer Operations – up to $10,000 included

Other Insurance Options available:

  • CyberOne
    • Insures for events that damage or degrade insured’s data and systems
    • Pays defense and liability costs for an insured’s systems security failure, including the breach of third party business information
  • Data Compromise
    • Insures data breach, theft, or unauthorized disclosure of personal information
    • Helps insured to be compliant with breach notification laws and requirements
    • Offers services to affected individuals such as credit monitorings
    • Pays defense and liability costs for actions brought by affected individuals as a result of a breach of personal information
  • TechAdvantage Equipment Breakdown
    • Microelectronics Coverage – when physical damage isn’t detectable but equipment suddenly stops functioning
    • Cloud Computing Service Interruption – waiting period, sublimit and deductible apply
    • Service Interruption Data Restoration – waiting period, sublimit apply
    • Off Premises – Property Damage, Business Income, Extra Expense & Data Restoration Coverage
    • Public Relations Coverage – applies if loss of business income (Sublimit – $5,000)
  • Electronic Data Processing
  • Scheduled Property
  • Computer Fraud and Funds Transfer Fraud
  • Umbrella
  • Commercial Auto
  • Workers Compensation



Ineligible activities:

  • Salvage Yard Operations
  • Car Recycling Operations
  • Auto Auction Services
  • Quick Lube Stores
  • Do-It-Yourself Garages

Payment Plans

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Note: Some payment options may not be available in all states.

Phone or email Kevin Morency to get started on your quote.

Since each auto service and repair business is unique, he will discuss your needs and can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.