Auto Service and Repair Insurance
Save up to 19% on auto repair business insurance.*
Choose your primary coverage to get started:
Tune up your business with customized auto service insurance
NEXT’s auto service and repair insurance provides tailored coverage at an affordable price for car wash, repair shop or body shop businesses.
Whether you’re opening your first location or expanding your services, we’ll help you quickly get set up online so you don’t need to pump the brakes on your business.
We specialize in insurance for auto service and repair trades
Choose your line of work to find out more
Why do auto service and repair businesses need business insurance?
Auto service and repair business insurance gives you peace of mind while you’re working on cars. A lot can go wrong when you deal with large, expensive and complex machinery.
For example, a mechanic could accidentally damage a customer’s car or someone might file a lawsuit claiming you did shoddy work.
Having the right types of insurance for your shop or car wash means you won’t have to pay entirely out of pocket if an accident does happen.
How automotive repair liability insurance protects your business
Liability insurance can help cover costs if you accidentally damage someone’s property or — maybe even worse — someone accuses you of subpar work.
These coverage options can help you get coverage for your business:
General liability is often the first type of coverage bought by many business owners in the auto industry. You and your staff are constantly working with vehicles that don’t belong to you. It’s probably not hard to imagine that at some point you could cause or be blamed for damaging a customer’s property or an injury if someone slips and falls at your shop.
Garagekeepers liability is included in your general liability (Pro and Pro Plus) policy to cover damage to cars that you are servicing. If your mechanic drives a customer’s car into a service bay and hits a bollard, denting the side of the car, garagekeepers liability insurance would help to cover the repairs to the body of the car.
How much does car repair and auto service business insurance cost?
You can save up to 19% when you buy auto repair shop insurance with NEXT.* The exact amount you pay will depend on:
- The types of service you provide
- Where your business is located
- The amount of equipment in your garage or shop
- Your shop certifications
- If you bundle more than one type of coverage
Business insurance has never been easier
Customized auto repair business insurance to protect your business, your customers and their vehicles.
Get covered in 10 minutes and save up to 19%
Instant proof of insurance and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Other important business insurance coverage for auto service and repairs
Hired & non-owned auto coverage is required for longer test drives off your lot. It can also provide protection if an employee sometimes uses a personal vehicle for work. Add HNOA coverage to a general liability policy for coverage when you or your employees drive a customer’s vehicle.
Learn more about HNOA.
Commercial property helps protect your business equipment, inventory, furniture and the brick-and-mortar structures you own. Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire. It can also help to replace inventory, such as if a fire breaks out in your shop.
Learn more about commercial property.
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Frequently asked questions about auto service and repair insurance
Why should I buy auto service and repairs insurance online at NEXT?
What do I need to get an insurance quote online?
How can I get a 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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