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auto service & Repair shop insurance

Auto Service & Repair Shop Insurance

Your auto shop is a busy place. From blown head gaskets to broken fan belts — every day brings new surprises and new risks that can put your business up on blocks in a hurry. Trust American Family Insurance to keep your shop running smoothly so you can focus on doing the same for your customers’ vehicles.

What Is Auto Service and Repair Shop Insurance?

Your shop is your livelihood, and you can help protect that with Auto Service and Repair Shop insurance. This insurance can help cover you when the unexpected happens to you or your employees while on the job and helps protect your business from the financial costs of accidents, like loss of income or damaged property.

Custom-Built Auto Repair Shop Coverages

American Family’s auto service and repair shop program is powered by coverages that provide custom-built protection for the needs of garage keepers who repair cars and trucks. The program is not intended for businesses that include automobile dealership operations. Take a look at these coverages:*

Garagekeepers coverage

Provides physical damage coverage for your customers’ vehicles while in your care, custody or control. Customize by choosing 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 or property damage, including accidents that occur while test driving your customers’ vehicles.

Building and business personal property

Provides coverage for your buildings and business personal property such as tools and computers.

Business income and extra expense

Provides coverage for actual loss of business income if your operations have to temporarily shut down due to a covered loss, and any extra expenses incurred to keep you business up and running after a covered loss.

Important business documentation coverage

Especially in today's electronic society, businesses generate mountains of critical documents. Losing them could be damaging to your business. Coverages like Accounts Receivable, Electronic Data and Valuable Papers can help repair, replace or restore your electronic and printed business records.

Additional Coverages to Consider for Your Auto Service Shop

Your auto repair business is unique to you, so your insurance policy should be customized to fit your needs. Check out these additional coverage options to consider for your auto shop.

Commercial umbrella insurance

Commercial umbrella insurance where your business liability coverage ends, giving you extra protection against legal, financial or medical incidents that could get your business dream off track.

Workers compensation insurance

Workers compensation insurance helps make sure you’re meeting the insurance needs required by your state’s workers compensation laws and regulations.

Commercial auto insurance

This coverage provides insurance protection for your business vehicles similar to the way your personal auto insurance protects your personal vehicle.

Employment practices liability

A lawsuit can seriously sidetrack your business goals. Employment practices liability can help protect you from court costs in the event an employee takes you to court.


The Right Coverage, The Best Support

American Family Insurance has been protecting the livelihoods of business customers like you for over 40 years. And our agents are business owners too, so they know what it takes to make a business run right. We can provide the products and support you need to help your business dreams thrive. So what does choosing American Family mean?

Putting safety first

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 you make your workplace safer for your employees and customers.

Fast, fair claims

Count on us when you need us most with fast, fair and friendly claims service. Our claims adjusters understand the unique issues a business claim can present and we’re dedicated to getting your business up and running as soon as possible.

Ready to talk shop? Your American Family Insurance agent has the products and support you need to help your business dreams thrive.

*This is only a brief description of coverages. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.