Copeland Insurance


Garage repair shop insurance helps keep your business running.

Ensure the protection of your business with garage repair shop insurance.

Insurance tailored to the unique needs of the vehicles you service.

While standard business insurance policies serve their purpose, they may not fully cover the specific risks inherent to running a garage repair shop. Your business distinguishes itself by handling and storing customers’ vehicles, exposing you to various potential risks. Implementing a comprehensive garage repair shop insurance policy can effectively safeguard your operations.

Your business faces unique risks that differ from most others.

At its core, you must safeguard against damage to customer vehicles stored on your premises, whether caused by fire, vandalism, theft, or other unforeseen hazards. Even routine tasks like an oil change can lead to substantial expenses if a vehicle requires costly repairs, potentially impacting your business significantly.

Garagekeepers liability insurance safeguards your customers’ vehicles while under your care, custody, and control, providing protection in case of damage due to negligence.

Depending on the specific services your repair shop offers, you may want to explore coverage options like body shop insurance, repair shop insurance, muffler shop insurance, transmission repair insurance, and tow truck insurance.

Protection against claims of faulty repairs is crucial.

It’s important to consider professional liability coverage, which safeguards against claims arising from errors or omissions by your staff that result in damage to a vehicle. In severe cases, this coverage may encompass not only the expenses for correcting the faulty repairs but also costs associated with accidents attributed to those errors.

Ensure your garage repair shop is fully protected, including coverage for lost income.

In addition to safeguarding your garage with comprehensive insurance, it’s essential to secure coverage for lost income. This protection becomes invaluable in scenarios such as a fire outbreak that disrupts operations, potentially leading to loss of customers and significant cash flow challenges. With coverage for lost income, your business can weather such setbacks and continue operating smoothly.

Are you seeking garage repair shop insurance to protect your business and investments? Contact us to discuss your coverage requirements and explore available options.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Property of Others - Garagekeepers

Risk Factor

The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.


You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.

Business Auto Insurance

Risk Factor

As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.


Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.


Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Workers' Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Inland Marine and Equipment Floater

Risk Factor

You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.


You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.

Commercial General Liability / Garage Liability

Risk Factor

Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.


Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.

Insurance for garage repair shops ensures the continuous operation and stability of your business.

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