Auto Repair Shop Insurance

Save up to 19% on auto service insurance*

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Auto repair shop insurance designed to keep your business on the road

ERGO NEXT’s auto mechanic insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Garagekeepers liability
Faulty work
Commercial property

We’ll help you get the repair shop insurance coverage you need

It’s all about managing your risk. See the different policies available for auto mechanics and repair shops.

General Liability

Bought by most car repair shop owners

General liability is often the first type of coverage repair shop owners buy. You’ll have financial protection if someone other than an employee gets hurt or if you’re held responsible for damaging someone’s property. If a customer trips over your jack stand and dislocates their shoulder, your insurance could help pay for emergency treatment and medical costs. And if a customer turns into your lot too sharply and takes out your neighbor’s mailbox, general liability would help pay to fix the damage.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Property

For business owners with expensive equipment

Commercial property insurance helps to cover all the inventory, gear and equipment you own or rent to run your shop. If a pipe bursts in your shop and ruins your tools, property insurance can help with the cost of replacing them.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Faulty Work

Coverage for professional mistakes

Faulty work insurance helps to cover financial losses or defense expenses if you are accused of a mistake with your work or negligence. If a customer claims the transmission in their car doesn’t work properly after you service it, faulty work coverage would help to cover any related costs.

faulty work can help you pay for:

Redoing a job that wasn’t up to par

Legal defense costs

Professional negligence (actual or alleged)

Garagekeepers Liability

Included with general liability in Pro and Pro Plus packages

Garagekeepers can help to cover expenses if you damage a customer’s vehicle. If your head mechanic drives a customer’s car into a concrete post, denting the trunk, garagekeepers insurance would help to cover the repairs to the body of the car.

garagekeeper liability can help you pay for:

Dents and scratches

Vandalism

Fire or extreme weather

What customers say about us

Great people great service

Called around and the beat the competition hands down better service better price

david x.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

Amazing customer service!

The Next team is not only super knowledgeable about their product, they are also the most friendly insurance agents I have spoken to in a long time!

Lance F.

excellent

VICKIE B.

Quick and easy

Damieon L.

Great

Good Rate good experience

Paul G.

Insurance

Very nice company

Tulsiram N.

Raymond W.

Great people great service

Called around and the beat the competition hands down better service better price

david x.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

Save up to 10% with bundled car mechanic insurance

You can pay for your car mechanic insurance monthly or annually and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Commercial Property

Per occurrence

$300,000

Pro

How much does auto mechanic repair insurance cost?

You can save up to 19% when you buy auto mechanic shop insurance with ERGO NEXT. The exact amount you pay will depend on:

The types of repair services you offer
Where your business is located
The amount and value of equipment at your garage or shop
If you have any shop certifications
If you bundle more than one type of coverage

A certified shop that bundles general liability with commercial property coverage can save up to 19%. Qualifying certifications are ASE, I-CAR (Gold class) and AAA-approved auto repair.

Auto mechanic insurance requirements

Auto mechanics are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get an auto mechanic business license in your state.
Lease or purchase a bay or shop. Landlords and banks may require it, and it protects your inventory, equipment and even the building that you lease or own.
Protect your customers’ vehicles. Garagekeepers insurance helps to cover the repairs to the body of the car.
Defend your business. Cover yourself for professional errors (actual or alleged).
Repair or replace property you own or rent. Protect 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 mechanic 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 mechanic repair shop owners?

Our auto mechanic liability insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

Your technician hits the gas too hard and dents the gate to the business next door. General liability coverage gives you financial protection if you are held responsible for damaging property.**

Customer injuries

A customer slips on your freshly-washed floor and injures their back. General liability can help with medical expenses if someone other than an employee gets hurt.

Damage to vehicles at your shop

A customer drops off a car for servicing and your mechanic accidentally drives it into a bollard. Garagekeepers coverage could cover the repairs to the body of the vehicle caused by the bollard.

Professional mistakes

A customer claims the brakes in their car don’t work properly after you installed them. Faulty work insurance could help to defend you against the claim.

Damage to your own property

All your hydraulic lifts are ruined after an electrical fire. 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 vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.