Keep customer vehicles and shop operations in focus.
Repair and body shops handle customer vehicles, tools, specialized equipment, premises, and work that continues after a vehicle leaves. Discuss insurance around the repairs you perform and property entrusted to your team.
General Liability, Commercial Property, Commercial Auto, Commercial Equipment, and Workers’ Compensation may be relevant topics to review. Mechanical repair, collision work, paint, towing, test drives, and customer vehicle storage can affect the questions an agent asks.
Explain what vehicles and customer property remain in your care, who drives them, and which services involve welding, paint, or specialized processes. Ask how policy language and eligibility apply to your shop’s actual operations.
Details that help focus the conversation
A clear description of your operation helps an agent focus the conversation.
Questions worth asking
Useful points to discuss before choosing a policy.
What makes an auto repair shop different from a typical retail business?
Customer vehicles and property may remain at the shop or be driven by staff. Explain the repair process, storage, test drives, equipment, and services performed.
Does commercial auto cover customer cars in the shop?
A business auto policy and customer vehicles in a shop are different exposures. Ask an agent what policy terms and any applicable coverage should be reviewed.
Request an insurance quote
Share the general details requested to start a conversation about this coverage.
Submitting a request does not activate coverage. Coverage begins when confirmed by an authorized agent or the insurer.