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Garage Insurance
Tailored business coverage for garages and repair shops
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Garage liability insurance customized to your business needs
Repair shops, dealerships, and service centers that handle customer vehicles are busy places with a lot of moving parts. Keeping your clients and employees safe in this environment is important. That's where garage insurance comes in. It protects your business so you can stay firing on all cylinders — even when the unexpected happens.
What is garage insurance?
Garage insurance is customized business insurance for when you're storing, working on, or moving a customer's vehicle. Depending on the coverages you choose, it can protect from a variety of claims, such as third-party bodily injury and property damage.
Progressive Commercial can help build a garage insurance policy that fits your business's needs. Contact one of our highly skilled agents or start a quote online for garage insurance today and keep your operations running smoothly.
Why is garage insurance important?
The right protection for your garage operation guards you from costly claims in case injuries, damage, or theft happen on your lot. It minimizes financial losses so you can take care of customers and get back on track quickly.
Who needs garage insurance?
If your business has a physical location, such as a garage or parking lot, commercial garage insurance can help protect it. It's a good fit for a variety of companies that repair or store vehicles. Businesses that benefit from this coverage include:
- Automotive repair shops
- Auto body detailing shops
- Towing lots
- Muffler shops
- Transmission shops
- Auto dealerships
- Tire and battery repair facilities
- Auto service centers
Whether you're a sole proprietor, own an LLC with a team of mechanics, or are starting a new venture, garage insurance should be part of your business's toolbox.
Types of insurance for garage owners
From basic liability to workers' comp, garages need specialized protection. When evaluating the type of insurance you need, consider your entire operation and where there's potential for risk. The following coverages can help garage owners stay primed and ready for the unexpected:
General liability (GL)
Protects against damage you cause others
General liability (GL)
Protects against damage you cause others
General liability insurance covers injury and damage that you accidentally cause to others. It pays for medical bills, repair costs, and more. GL also helps with claims related to advertising injury and problems caused by your work after it's been completed. Learn more about the benefits of general liability.
Example: Two weeks after replacing a car's brake pads, rotors, and lines, the brakes fail, causing an accident. If the customer sues you, your general liability policy would help pay your legal defense and settlement costs.
Business owners policy (BOP)
A single policy that protects you and your property
Business owners policy (BOP)
A single policy that protects you and your property
A BOP combines liability protection with commercial property insurance, which helps pay for damage to your buildings, equipment, and other business assets. You can also add optional BOP coverages for things like machinery breakdown or tools and equipment.
Example: An electrical short causes a fire in your garage. Your business owners policy can pay for repairs to your building and cover lost income while you're closed.
Garagekeepers legal liability
Protection for vehicles under your care
Garagekeepers legal liability
Protection for vehicles under your care
Garagekeepers legal liability pays for physical damage to a customer's vehicle caused by theft, fire, vandalism, or collision while it's in your possession.
Example: While being stored overnight, a customer's car is vandalized on your lot. Garagekeepers liability can pay the cost of repairing the vehicle.
On-hook towing
Coverage for vehicles when being towed
On-hook towing
Coverage for vehicles when being towed
If you operate a tow truck, on-hook towing pays for damage caused by collision, fire, theft, explosion, or vandalism while a vehicle is being towed.
Example: Your tow truck driver gets into an accident and the car on the hook gets damaged. Your on-hook towing policy can pay to repair any damages caused by the accident.
Commercial auto
Protection for work trucks and other vehicles
Commercial auto
Protection for work trucks and other vehicles
Commercial auto insurance covers you if you're at fault in an accident involving your business-owned vehicles, including tow trucks and pickup trucks. You can add more commercial auto coverages, like collision and comprehensive, to enhance protection.
Example: Your tow truck rear-ends a car on the way to service another vehicle. Your commercial auto can pay for any damages or injuries caused to the other driver. It can also pay to repair your truck.
Workers' compensation
Keep employees protected on the job
Workers' compensation
Keep employees protected on the job
Workers' compensation insurance covers your employees' medical costs and a portion of their lost wages if they become ill or get injured on the job. Learn about the cost of workers' compensation and get information about workers' comp in your state.
Example: One of your mechanics is burned by a hot engine while working on a vehicle. Workers' comp can pay his medical bills and a portion of lost income until he can return to work.
Ask for a certificate of insurance (COI)
If you work with third-party subcontractors, such as a towing or repair service, ask for a COI to make sure they're properly insured. It provides proof that they have coverage in place and helps protect your business from liability should something go wrong.
How much does garage insurance cost?
The cost of garage insurance depends on your business and the level of risk it faces. The following factors will be considered when determining your business insurance rate:
- Type of work
- Coverages
- Claims history
- Location
- Security measures
- Number of employees
If you have vehicles, you'll need commercial auto insurance, which is priced separately. The cost of commercial auto will depend on driving history, number of vehicles, and other factors.
When you have your business and auto policies with Progressive Commercial, you can save with a multi-product discount. Learn more about insurance discounts and other ways to save.
Why choose Progressive Commercial for garage insurance
We understand the unique needs of garages that operate tow trucks and work with customer vehicles. It's easy to cover all your insurance needs with Progressive Commercial, America's #1 auto insurer.* Start a quote online or call us to speak with an in-house agent. We'll help you get a customized garage insurance quote today.
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