Garage Insurance

While you’re working hard to ensure your customers and their vehicles are well cared for, you should also take care of your insurance needs. Trigon’s brokers will work with you to craft a Garage Insurance Policy that meets the needs of your auto service or repair business.


Who needs garage insurance?

  • Automotive repair shops
  • Automotive service technicians or mechanics
  • Glass and windshield repair shops
  • Car detailing operations
  • Oil, lube, and filter change facilities

What does garage insurance cover?

Commercial General Liability (CGL) Insurance protects you and your business if you’re found responsible for any bodily injury or property damage. A CGL policy will generally cover legal expenses, medical fees, and damage awards.

Garage Liability Insurance is specifically created for businesses in the automotive industry. It protects against allegations of bodily injuries at the shop itself or property damage to a customer’s vehicle while it’s in your care.

Commercial Property Insurance protects your shop premises and its contents, like stock, inventory, and equipment, against insured risks, including but not limited to fire, theft, or water damage.

Tools & Equipment Insurance provides the coverage to repair or replace lost or damaged equipment and tools crucial to your garage operations. Theft or damage to your tools and equipment may cause a significant financial loss to your business. Ensuring you’re adequately insured will protect these critical assets.

Frequently Asked Questions

Do I need Garage Liability insurance?

Do you have care, custody, or control of any customer (third-party) vehicles? If so, it sounds like garage liability insurance is for you. It’s not only for garages, mechanics, or auto repair shops. Car detailers, auto glass installers, and oil change shops should be similarly insured.

What does a Garage Liability Policy cover?

Typically, a garage liability policy will provide third-party coverage to protect you against bodily injury claims if a customer is injured on your business premises. Or, this policy will protect against property damage claims if you’re held responsible for harm to a customer’s car while it’s in your care. Other essential coverage to consider includes product liability, business interruption, and pollution liability, to name a few.

How much coverage do I need for garage insurance?

The coverage you need with a garage liability insurance policy is typically determined by the number of vehicles kept on your lot or in your garage. The average value of each vehicle also determines the coverage you need. Discussing your unique coverage requirements with a Trigon broker will ensure you’re fully protected.

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Questions? Let us help you.

Speak with a broker to learn more about garage insurance.