Comprehensive Auto Repair Shop Insurance in NJ & PA
Running an auto repair shop means dealing with constant risks — from customer vehicles in your care to specialized equipment and employee safety. Auto repair shop insurance provides coverage for liability claims, property damage, and garage operations so your business stays protected. Whether you run a small repair garage or a large auto body operation, we help NJ and PA shop owners find coverage that fits their needs.
Our policies are tailored for the unique challenges of mechanics and auto service centers. Coverage can include garage liability insurance, workers compensation, business property protection, and commercial auto policies. With access to top carriers, we make sure your repair shop has the protection it needs against accidents, customer disputes, or unexpected losses — so you can focus on keeping your customers safely on the road.
General Liability Coverage
General liability insurance protects your shop from claims of bodily injury, property damage, or personal injury that occur on your premises. If a customer slips in your waiting area or equipment damages someone’s property, this policy helps cover legal and medical costs. It’s the foundation of protection every auto repair shop in NJ & PA needs.
Garage Keepers Liability Coverage
Garage keepers liability is specifically designed to cover customer vehicles while they’re in your care, custody, or control. If a car is damaged by fire, theft, vandalism, or an accident while parked in your garage or lot, this coverage helps pay for repairs or replacement. It’s essential for mechanics, body shops, and any business handling customer cars.
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Ready to explore customized options for your business? Request a quote today, and let us find the right fit for your insurance needs.
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From the Blog...
Garage Keepers Insurance Explained
Why Garage Keepers Liability Matters When customers leave their vehicles at your shop, they’re placing their trust—and often their most valuable asset—in your hands. Whether you’re doing repairs, maintenance, or diagnostics, that vehicle’s safety becomes your responsibility until it’s back with its owner. But even the most careful shop owners can face unexpected events. A fire in the service bay, a break-in overnight, or vandalism in the lot can cause serious damage. Without the right insurance, your business could be
Auto Repair Shop Insurance Made Simple
Running an auto repair shop means working with expensive tools, valuable customer vehicles, and high-risk tasks.
Your Questions, Our Answers
It usually includes general liability, garage liability, garage keepers coverage for customer vehicles, business property insurance, and workers compensation.
Yes. Garage liability insurance protects against claims from customers or third parties, making it essential for any repair shop operating in New Jersey or Pennsylvania.
Costs vary based on shop size, services offered, number of employees, and claims history. On average, small shops can expect affordable monthly rates tailored to their risk level.
General liability covers injuries and property damage to third parties, while garage keepers liability specifically covers customer vehicles left in your care, custody, or control.
Yes. Many NJ and PA repair shops choose to bundle workers comp with their liability and property policies for complete protection and cost savings.
Yes, with garage keepers liability insurance, customer vehicles are covered for damage from fire, theft, vandalism, or accidents while in your possession.
Risks include damage to customer vehicles, employee injuries, expensive equipment breakdowns, and environmental hazards like oil or chemical spills.