Garage Liability
Purpose-built liability coverage for auto repair shops. Protects your business against bodily injury and property damage claims arising from your garage operations, including customer vehicle damage while in your care.
Running an auto repair shop means managing real risks — from customer vehicles on your lot to technician injuries on the floor. Soma builds complete, affordable insurance programs for auto repair businesses, covering garage liability, commercial property, and more. Get the right coverage fast, with one application and no broker runaround.
Comprehensive coverage options designed specifically to protect auto repair businesses from every angle.
Purpose-built liability coverage for auto repair shops. Protects your business against bodily injury and property damage claims arising from your garage operations, including customer vehicle damage while in your care.
Covers your shop building, equipment, tools, and inventory against fire, theft, vandalism, and other losses. Soma places property coverage even for shops that standard carriers decline.
Insures vehicles used in your business operations — including test drives, vehicle transport, and shop-owned fleet vehicles — with commercial-grade protection standard personal auto policies won't provide.
Broad protection against third-party claims for bodily injury or property damage that occur on your premises or as a result of your services. Essential baseline coverage for any repair shop.
Soma's Risk Management Team analyzes your shop's full exposure profile and finds the right coverage at the right price — replacing the slow, fragmented traditional broker experience with a smarter, faster process.
One application gets your shop quoted across Soma's network of hundreds of specialty carriers. Coverage is customized to your operations — from independent shops to multi-bay dealership service centers.
Auto repair shops face a unique combination of risks — customer vehicles in your custody, hazardous fluids, expensive diagnostic equipment, and employees working in physically demanding conditions. Soma designs insurance programs that address every layer of your exposure. Whether you operate a single-bay independent shop or a multi-location service center, we place coverage others won't, backed by specialty carriers like Chubb, Nationwide, and Markel — all through a single, fast application.
See how auto repair businesses across the country got the right coverage, fast, with Soma.
Soma is built differently — we're the fastest, most specialized brokerage for businesses that need coverage done right.
We place garage and auto shop coverage that standard brokers regularly decline, across hundreds of carrier partners.
A single application gets your shop quoted across our entire carrier network — no repetitive forms, no waiting weeks.
Our Risk Management specialists analyze your shop's unique exposures and tailor coverage to your specific operations and scale.
We bind coverage fast — no chasing brokers, no delays — so your shop stays protected and operational without interruption.
Specialists who understand the auto repair industry inside and out.
Soma is a commercial insurance brokerage purpose-built for complex and hard-to-insure businesses — including auto repair shops that standard carriers often turn away. Our team of risk management specialists has processed thousands of businesses, developing deep expertise across the full spectrum of garage, commercial auto, and property exposures that shop owners face every day. We partner with industry-leading carriers — Chubb, Markel, Nationwide, Kinsale, and Liberty Mutual — to deliver fast, affordable, and comprehensive insurance programs. Our mission is simple: replace the slow, frustrating traditional brokerage experience with a smarter, seamless process that gets auto repair shops covered at the right price, through a single application.
Auto repair shop insurance typically ranges from $1,500 to $10,000+ per year depending on your shop's size, number of employees, annual revenue, location, and the types of vehicles serviced. Garage liability alone may run $800–$3,000 annually. A bundled program covering garage liability, property, and commercial auto will cost more but provides significantly broader protection. Soma helps shops find competitive pricing through a single application across hundreds of carriers.
Talk to a Soma insurance specialist — get straight answers and a fast, free quote.
Partnered with Chubb, Markel, and top-rated insurers
Thousands of complex businesses analyzed and insured
Same-day quotes through a single streamlined application
Complete one short form and a Soma specialist will reach out to build a coverage program tailored to your shop. No waiting, no pressure — just the right insurance at the right price.