Auto repair shop insurance designed to keep your business on the road
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
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
Most Popular
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$300,000
Garagekeepers Liability
Per occurrence
$50,000
Faulty Work
Per occurrence
$1 million
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$300,000
Garagekeepers Liability
Per occurrence
$100,000
Faulty Work
Per occurrence
$1 million
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
How much does auto mechanic repair insurance cost?
You can save up to 19% when you buy auto mechanic shop insurance with 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.
Learn more about auto repair shop insurance costs and coverage.
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 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 a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
* 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.