Auto Parts Store Insurance

Shift your business into high gear.

Choose your primary coverage to get started:

General Liability Insurance

General Liability

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Commercial auto insurance

Garagekeepers Liability

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Workers’ Compensation insurance

Workers' Compensation

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Commercial Property insurance

Commercial Property

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Other Coverages

Other Coverages

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Auto parts store coverage made to fit your business

Auto parts store coverage made to fit your business

NEXT’s car parts store insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged or stolen inventory. Our insurance packages typically include:

  • General liability
  • Commercial property
  • Workers’ compensation
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for auto parts shops.
General Liability

General Liability

Bought by most store owners
General liability is often the first type of coverage auto part store owners buy. General liability is intended to provide coverage for accidental injury or damage to other people or their property. For example, if a customer slips on a slick floor and breaks their wrist, your insurance could help pay for emergency treatment and medical costs. Note that this is an example and may not reflect the terms of your specific policy. It’s always a good idea to refer to the coverage details in your own policy.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Workers’ Compensation

Workers’ Compensation

For business owners with employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. Depending on your state, it might be required if you have a certain number of employees. You can add business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners with inventory
Commercial property insurance helps to cover some of the inventory, gear and equipment you own or rent to run your car part store. If a pipe bursts in your shop and ruins your inventory, property insurance could help with the cost of replacing your goods (depending on your coverage details).

commercial property can help you pay for:

Damaged equipment and inventory
Lost income (due to property damage)
Operating expenses

Bundle two or more of our policies and save up to 10%

You can pay for your auto parts store insurance monthly or annually and you can cancel at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does car part shop insurance cost?

How much does car part shop insurance cost?

You could save money if you buy auto parts shop insurance with NEXT. The exact amount you pay will depend on:

  • The types of car parts you sell
  • Where your business is located
  • The amount and value of equipment at your shop
  • If you bundle more than one type of coverage
Suggested auto parts store insurance

Suggested auto parts store insurance

It can be a good idea for auto part shops to have insurance due to the risk of injury and property damage. You might want to get insurance in order to:

  • Lease or purchase a shop. Landlords and banks may require general liability, and it protects your inventory, equipment and even the building that you lease or own.
  • Defend your business. Insurance can help defend you if you are sued.
  • Repair or replace property you own or rent. Cover your equipment, inventory and the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about auto supply parts store insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect auto parts store owners?

Our auto parts store liability coverage is designed to protect your business from a variety of risks and help you save money to grow your business. It can help protect you from financial losses related to:

Damage to someone’s property

A shopping cart from the market next door hits a customer’s car in your parking lot. General liability coverage gives you financial protection if you are held responsible for damaging property.

Customer injuries

A customer trips over some oil that was spilled on the ground and slips, injuring their back. General liability can help with medical expenses if a customer or guest gets hurt.

Damage to your own property

Thieves break into your store and steal your inventory. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire or theft.

Workplace injuries

An employee gets his finger caught in a gear pulley and needs surgery. Workers’ compensation coverage can help cover medical bills and lost wages. It’s usually required by law if you have employees.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT customer, all you need to do is log in to your account and your Certificate delivers you the proof of insurance you need instantly. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited access to customized certificates 24/7 at no additional cost. And you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.

  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”

  • If you cannot access your online account and require help from our support team, please visit our online help center.

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More professions that are covered by NEXT

Auto Body Shop, Auto Parts Store, Auto Repair Shop, Car Wash, Oil Change Station, Tire Shop
What we cover
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.