Protecting What Keeps You Running
Insurance For Auto Mechanics
by Shane Hodge
At Shafer Insurance Agency, we understand that auto mechanics do more than fix cars—they keep lives moving. Whether you’re running a small garage or managing a larger auto repair shop, your business faces unique risks every day. That’s where the right insurance coverage becomes essential.
Why Insurance Matters For Auto Mechanics
As an auto mechanic, your work involves a variety of potential liabilities—handling customer vehicles, using specialized tools, and even dealing with hazardous materials. One unexpected event, like an accidental fire, a customer injury in your shop, or damage to a client’s vehicle, can disrupt your business and drain your finances.
Insurance isn’t just about compliance or checking a box. It’s about peace of mind and the freedom to focus on what you do best: keeping cars and trucks on the road.
Key Coverages Every Auto Mechanic Should Consider
Here are the core types of insurance coverage that can protect your business:
- Garage Liability Insurance: This essential policy covers bodily injury and property damage that may occur as a result of your garage operations. For example, if a customer sustained an injury while driving after a tire you worked on came loose, this type of coverage would pay for their medical expenses.
- Garagekeepers Insurance: This covers your customers’ vehicles while they’re in your care—whether they’re being repaired, stored, or test-driven. It protects against risks like fire, theft, vandalism, or accidental damage caused by your employees.
- Commercial Property Insurance: Your tools, diagnostic equipment, lifts, and even the building itself represent a major investment. Commercial property insurance helps repair or replace business assets damaged by fire, storms, theft, or other covered events.
- General Liability Insurance: This broad coverage protects your business from third-party claims involving bodily injury, property damage, and even advertising injury. It’s a foundational policy that every business should have. For example, if a customer slips and falls in your shop, this policy helps cover medical and legal costs.
- Workers’ Compensation Insurance: If you have employees, workers’ compensation is not only required in most states—it’s essential. It covers medical expenses and lost wages if an employee gets injured on the job.
- Commercial Auto Insurance: Do you use a company vehicle to pick up parts or deliver services? If so, your personal auto policy likely won’t cover it. Commercial auto insurance fills that gap.
Tailored Coverage For A Specialized Industry
Every repair shop is different. You might specialize in transmissions, work on classic cars, or offer mobile repair services. At Shafer Insurance Agency, we take the time to understand your business so we can tailor your insurance package to fit your exact needs and budget. We are here to keep your business running smoothly—just like the engines you work on. Contact us today for a quote.