NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Oil Change Station Insurance

Keep your business running smoothly

Choose your primary coverage to get started:

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 the oil change station business insurance that’s just the right fit

We offer customized oil change station insurance policies to small businesses and the self-employed. Oh, and you save up to 10% when you bundle two or more policies.

General Liability

General Liability

Protection for the injuries, accidents and damage you cause

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.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
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.

commercial 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
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)
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
Garagekeepers Liability

Garagekeepers Liability

Included with general liability in Premier and Deluxe

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.

garagekeeper liability can help you pay for:

Dents and scratches
Vandalism
Fire or extreme weather

You can save up to 25% in discounts on Oil Change Station Insurance

You can pay for your insurance monthly or annually and you can cancel instantly 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 oil changing services 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
Suggestions for oil change station insurance

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.