Professional mechanic working on car in modern garage

Auto Repair / Garage Insurance

Comprehensive protection for auto repair shops, mechanics, and body shops. From customer vehicles to workplace injuries, we cover the unique risks of your garage.

Get Your Free Auto Shop Quote 1-800-252-6885

Coverage Types for Auto Repair Shops

Build a comprehensive insurance package that protects every aspect of your shop.

Garage Liability

Covers bodily injury and property damage arising from your garage operations, including test drives.

Garagekeepers Insurance

Covers customer vehicles in your care, custody, and control against damage from fire, theft, and collisions.

Workers Compensation

Required in Florida for auto shops with 3+ employees. Covers employee injuries from burns, cuts, and heavy lifting.

Commercial Property

Covers your building, equipment, tools, and inventory against fire, theft, and storm damage.

Equipment Breakdown

Covers repair costs for expensive equipment like lifts, diagnostic machines, and air compressors.

Pollution Liability

Covers cleanup costs for oil, coolant, and chemical spills that contaminate soil or groundwater.

Get Your Free Auto Repair Insurance Quote

Contact

Business

Team

Coverage

Step 1 of 4

Let's Get Started

We just need a few details to begin your free quote.

Business Name *

Contact Name *

Phone Number *

Email Address *

Street Address

City

State

ZIP

🔒Your information is protected and will never be shared. We use it solely to find you the best insurance coverage and rates.

Most quotes delivered same day · 1-800-252-6885

Common Auto Repair Shop Risks

Understanding these risks helps you choose the right coverage.

Customer vehicles damaged during repair or test drive

Faulty repairs causing accidents after vehicle leaves shop

Fire from flammable chemicals or welding operations

Employee injuries from burns, cuts, and repetitive strain

Oil and chemical spills contaminating property

Tools and equipment theft from service vehicles

Customer slip and fall injuries in waiting areas

Diagnostic equipment breakdown causing lost business

Why Choose Greene & Associates?

Garage Keepers Liability

Protect customer vehicles in your care, custody, and control against damage, theft, and accidents.

Environmental Coverage

Protection for fluid spills, waste disposal incidents, and environmental cleanup costs.

Lift & Equipment

Coverage for tool and equipment breakdown, including lifts, diagnostic equipment, and specialty tools.

Auto Repair Shop Insurance Throughout Florida

Garage keepers liability is essential for Florida auto shops. We cover mechanics statewide.

Jacksonville & Northeast FL

Beach town body shops, River City mechanical, Fleet Street diesel — Jacksonville auto repair ranges from beachside basics to heavy commercial truck work. Garage keepers liability is a must.

Jacksonville Insurance

Orlando & Central FL

Tourist rental damage, theme park employee car repairs, I-4 corridor collision shops. Orlando auto repair is high-volume. Your insurance needs to cover the pace.

Orlando Insurance

Tampa & Gulf Coast

Gulf Coast salt air rust repairs, marine trailer work, classic car restoration. Tampa auto shops deal with unique Florida wear. We insure the whole spectrum.

Tampa Insurance

Miami & South FL

Exotic car repairs, high-end body work, South Beach detail shops. Miami auto repair operates at premium price points. Your garage keepers liability should reflect the inventory value.

Miami Insurance

Gainesville & North Central FL

Student car fixes, budget mechanical, UF fleet maintenance. Gainesville auto shops serve a college town economy. We write policies that fit the margins.

Gainesville Insurance

Tallahassee & Panhandle

State fleet work, government contracts, capitol employee repairs. Panhandle auto shops handle volume and compliance. We cover both.

Tallahassee Insurance

Based in Lake City, serving auto repair shops statewide.

Frequently Asked Questions

Garage liability covers bodily injury and property damage to third parties arising from your operations (like a customer getting hurt in your shop). Garagekeepers covers damage to customer vehicles in your care - it's essentially collision and comprehensive for customer cars while they're at your shop.

Yes, garagekeepers insurance specifically covers customer vehicles while they're in your care, custody, and control. This is essential coverage for any auto repair shop. Without it, you'd be personally liable for any damage to customer vehicles.

Costs vary based on your shop size, number of employees, revenue, and coverage needs. Most auto repair shops pay $3,000-8,000/year for comprehensive coverage. Body shops and shops with higher risk operations typically pay more.

If you handle oil, coolant, antifreeze, or other hazardous fluids, pollution liability is highly recommended. These materials can contaminate soil and groundwater, resulting in expensive cleanup costs. Many standard policies exclude pollution, so you may need a separate endorsement or policy.