Garage Insurance 101: What Every Auto Shop Owner Needs to Know

Garage Insurance 101: What Every Auto Shop Owner Needs to Know

June 20, 2025

Auto garages face daily risks—slips, damages, theft, and injuries. One unexpected incident can lead to major losses. That’s why garage insurance is essential for anyone running a repair shop, body shop, or service center.

What Is Garage Insurance?

A tailored policy designed for:

  • Auto repair shops & body shops
  • Tire, lube, and brake centers
  • Dealerships with service bays
  • Custom performance garages

It bundles multiple coverages to protect:

  • Your business property
  • Customer vehicles
  • Employees
  • Business income

Key Coverages to Include:

Garage Liability – Covers injuries or damage caused by your operations
Garagekeepers Insurance – Protects customer vehicles while in your care
Commercial Property – Covers tools, equipment, and your building
Workers’ Compensation – Required for employee injuries
Commercial Auto – Covers company-owned service vehicles
Business Interruption – Replaces lost income after a shutdown

Why Choose Hawk’s Bay?

  • Trusted by businesses in 43+ states
  • 4.9-star rated & BBB accredited
  • Fast quotes & expert guidance
  • Over 9 years of industry experience
  • Customized coverage for your specific operations

  What You’ll Need for a Quote:

  • Business name & address
  • Services you provide
  • Number of employees
  • Tools/equipment list
  • Number of vehicles on site
  • Any past claims

Let’s Protect Your Garage

Don’t wait until something goes wrong. Get insured now and operate with peace of mind.

Hawk’s Bay Insurance Group – Protecting What Keeps America Moving