Insurance Products

Auto Repair Shop and Garage Insurance

American Family has your automotive repair shop and garage covered.

Along with blown head gaskets and broken fan belts, each day exposes your business to a variety of risks that can put you up on blocks in a hurry — or even shut you down. Don't take a chance with equipment malfunctions or on-the-job injuries. Let American Family help you keep your business running smoothly so you can focus on doing what you do best — keeping your customers' vehicles running smoothly.

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Business Insurance Coverage Options

American Family's Automotive Repair and Garage Coverage is powered by a package of insurance protection that's custom-built for garage owners who focus on repairing automobiles and trucks and aren't considered a motor vehicle dealership. Coverage is designed to fit your needs and may include:

  • Garagekeepers Coverage — Provides physical damage coverage for your customers' vehicles while in your care, custody or control. You can choose coverage that pays only for damages you're legally liable for or coverage that pays for damages to your customers' vehicles regardless of your legal liability.
  • Garage Liability Coverage — Provides liability coverage for accidents arising from your garage operations resulting in bodily injury, property damage, and personal or advertising injury.
  • Building and Business Personal Property — Provides coverage for your buildings and personal business property such as tools and computers.
  • Business Income and Extra Expense — Provides coverage for actual loss of business income if your operations cease due to a covered loss and extra expenses incurred due to the loss.
  • Important Business Documentation Coverage — Even in today's electronic society, businesses generate critical documents every day. If something happened to these files, their loss could hurt your business. Coverage for accounts receivable, electronic data and valuable papers could help repair, replace or restore your electronic and printed business records.
  • Crime and Fidelity Coverage — Protects your business from loss of money, securities or inventory resulting from acts committed by your employees and non-employees. This covers activities such as employee dishonesty, embezzlement, forgery, robbery and burglary.

Additional insurance coverages you might consider:

  • Commercial Umbrella Insurance
  • Workers Compensation Insurance
  • Commercial Auto Insurance
  • Employment Practices Liability*
  • Life Insurance

* Coverage offered through our Brokerage and Alliances Division.

Why choose American Family for your automotive repair and garage insurance?

We understand your needs. American Family has been protecting the livelihoods of business customers like you for more than 35 years. As business owners themselves, our agents have exceptional knowledge of what it takes to run a successful business. We understand your business needs and the responsibilities and challenges you face.

Our experience means you can trust American Family to provide solid advice to help protect your automotive repair and garage business — and your dream of owning your own business.

Reducing risks means reducing costs — and improving your bottom line. As an American Family policyholder, you'll have access to board certified safety professionals, as well as safety tools and materials, to proactively help make your automotive repair and garage business safer for your employees and customers.

Fast, fair claims. If you ever have a claim, that's where the rubber meets the road. You can count on us when you need us the most with fast, fair and friendly claims service. Our claims adjusters understand the unique issues your business claim can present, and we're dedicated to getting your automotive repair and garage services business up and running as soon as possible.

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Discuss Your needs with an American Family local agent.

With American Family Insurance, we make your insurance experience easy and convenient and ensure there are no unwelcome surprises -- especially in your time of need.

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