Mon – Fri | 8 a.m. – 5 p.m. CT

Oil Change Station Insurance

Keep your business running smoothly
Auto mechanic and auto repair shop insurance - NEXT

Oil change business insurance designed for your business

NEXT’s oil & lube shop 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
  • Hired and non-owned auto
  • Commercial property
Get a Quote

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

You can pay for your coverage monthly or annually and you can cancel at any time.

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for oil change stations.
General Liability

General Liability

Bought by most oil change station owners
General liability can provide coverage for some accidents that could happen at your oil change station. 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 spilled oil in your shop and breaks their arm, general liability could help pay for medical fees. 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
Learn more
Hired And Non-owned Auto

Hired And Non-owned Auto

For businesses that use rented or employee-owned vehicles for work
Hired and non-owned auto insurance is essential to make sure you and your employees are covered whenever you are behind the wheel. Add HNOA coverage to a commercial auto policy for coverage when you or your employees drive a rented vehicle. It can also provide protection if an employee sometimes uses a personal vehicle for work.
Hired And Non-owned Auto can help you pay for:
You need to use rental or employee-owned vehicles
Someone’s property is damaged by your rental or employee-owned vehicle
You have to defend a lawsuit or pay a legal judgment related to rental or employee-owned vehicle accidents
Learn more
Commercial Property

Commercial Property

For business owners with expensive equipment
Commercial property insurance helps to cover the inventory, gear and equipment you own or rent to run your shop. If thieves break into your shop and steal your tools, property insurance can help with the cost of replacing it.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income (due to property damage)
Operating expenses (due to property damage)
Garagekeepers Liability

Garagekeepers Liability

Included with general liability in Pro and Pro Plus
Garagekeepers insurance can help to cover expenses if you damage a customer’s vehicle. If you accidentally scratch a car’s paint job while changing the oil, it could help cover expenses to repair the vehicle.
Garagekeepers Liability can help you pay for:
Dents and scratches
Fire or extreme weather
Faulty Work

Faulty Work

Coverage for professional mistakes
Faulty work insurance can help to provide coverage if you are accused of performing defective work. Faulty work coverage could help to cover any defense costs if a customer wants to sue because you put the wrong type of oil in their car and ruined the engine.
Faulty Work can help you pay for:
Defective work
Legal defense costs
How much does business insurance cost

How much does oil changing services insurance cost?

You could save money if you buy oil change service insurance with NEXT. The exact amount you pay will depend on:

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

Learn more about oil change station insurance costs and coverage.

Get a Quote

Suggestions for oil change station insurance

It can be a good idea for oil changers 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 bay or shop. Property owners and banks may require proof of general liability insurance before you can open a shop.
  • Protect your customers’ vehicles. Garagekeepers insurance can help if a customer’s vehicle is damaged while under your care.
  • Defend your business. Insurance can help defend you if you are sued.
  • Drive customers’ cars. Hired & non-owned auto coverage offers liability protection if you take a customer’s car off the premises for a test drive.

Repair or replace property you own or rent. Protect your equipment, inventory and the building that you lease or own.

Get a Quote
Everything you want to know about Insurance

Frequently asked questions about business insurance

Here are some of the most common questions we get about insurance for oil change businesses. 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 oil change station owners?

Our oil change station insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

A pan of dirty oil accidentally gets tipped into a customer’s trunk, ruining the interior. General liability coverage will help you pay for detailing and repair costs.

Customer injuries

A customer trips over a tool left in the waiting area and badly twists an ankle. General liability helps to keep your business protected if someone other than an employee gets hurt.

Damage to vehicles at your shop

An oil drain falls over and dents the side panel of a customer’s car. Our optional garagekeepers coverage (which can be included with general liability) can help pay for repairs to the customer’s car.

Professional mistakes

A customer claims you over-tightened the oil cap and now it leaks. Faulty work insurance could help to defend you against the claim.

Damage to customers’ cars off the premises

Your employee takes a customer’s car for a test drive and accidently rear-ends another car on the road. Hired & non-owned auto (HNOA) coverage can be added to a commercial auto policy for liability coverage when you or your employees drive a customer’s vehicle.

Damage to your own property

A fire breaks out in your shop and destroys your tools and 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 vandalism.

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 Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates 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 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, 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.

Certificate of Insurance

Need a fast certificate of insurance?

Get covered in just a few clicks and have your COI in hand. Get Instant Quote