Service Repair Shop Insurance
Ohio residents rely on you to keep their automobiles operational for their daily commute. As the owner of an Auto Service Shop, you face unique risks. You must consider many factors when running an auto repair shop, such as your assets, customers’ cars, and the safety of others. You’re a bit of an expert in dealing with ‘unexpected accidents.’ Auto mechanics insurance, also known as garage coverage or “garage keepers” insurance, is an essential coverage tailored to your business needs.
Let’s explore what auto mechanics insurance entails and how it helps protect your operations.

Types of coverage to consider as an Auto Service Shop:
Auto service shops require foundational coverage such as commercial property insurance, business interruption coverage, and commercial general liability insurance. However, they may also require additional specialized coverage tailored to their autobody repair shops. A comprehensive insurance package for auto mechanics typically includes the following components:
Auto Service Shop insurance is tailored to address the unique risks and challenges of running a service shop. It safeguards your business, assets, employees and customers, allowing you to focus on caring for cars, not worrying about the unexpected.
Professional Liability for Mechanics
Mechanics’ professional liability is a crucial addition to your coverage. Accidents happen, and even the most skilled mechanics may make errors. This coverage is designed to protect you in case improper repairs, faulty parts, or incorrect installations result in accidents or damages to customers’ vehicles.
Other Considerations:
Running an auto repair shop involves inherent risks due to heavy machinery, equipment, and vehicles. When reviewing your auto mechanics insurance policy, the Hitchings Insurance team will work to ensure you have sufficient coverage for all aspects of your business, including its full replacement cost. Additionally, assess your liability limits, considering potential lawsuits that can be expensive to defend against.
The total value of customer vehicles in your possession at any given time should be well understood, as this will impact the Garage Keepers insurance limits you need.
What does service repair shop coverage cost?
The cost of auto mechanics insurance varies depending on several factors, such as location, the number of employees, the size and scope of your garage, inventory levels, insurance history, past lawsuits, and coverage options. Small shops may find comprehensive plans starting around $3,500 per year, while larger operations with extensive inventory and commercial autos could pay over $50,000 per year.
To determine the best coverage and premiums for your business, reach out to licensed, experienced agents like those at Hitchings Insurance. They can guide you through your options and provide personalized assistance based on your circumstances.
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