Auto Repair Shop Insurance — Coverage & Quotes

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.

At minimum, an auto repair shop needs garage liability insurance, which covers damage to customer vehicles and third-party injury claims. You should also carry commercial property insurance for your building, tools, and equipment, general liability for premises incidents, workers' compensation for employees, and commercial auto if your business uses vehicles. Soma can assess your full risk profile and bundle the right policies into a single, affordable program.

Garage liability insurance is a specialized commercial policy that covers auto service businesses against claims arising from their operations — including damage to customer vehicles while in your care, custody, or control, as well as bodily injury to third parties on your premises. It fills coverage gaps that standard general liability policies don't address, making it essential for any shop accepting customer vehicles for service or repair.

Yes — through a coverage called garagekeepers liability, which is often added to or bundled with a garage liability policy. It specifically covers customer vehicles in your shop's care, custody, or control against damage from fire, theft, vandalism, or collision. Without this coverage, you could be personally liable for the full value of a customer's vehicle if it's damaged or stolen while on your premises.

In most states, workers' compensation is legally required for any business with one or more employees — including auto repair shops. Mechanics face real occupational hazards including equipment injuries, chemical exposure, and falls. Workers' comp covers medical expenses and lost wages for injured employees and protects your business from lawsuits arising from workplace injuries. Requirements vary by state, so it's important to confirm your local obligations.

With Soma, you can receive competitive quotes same-day through a single application. Our Risk Management Team immediately analyzes your shop's exposures and taps our network of hundreds of specialty carriers — including Chubb, Nationwide, and Markel — to find the best coverage at the right price. There's no waiting weeks, no chasing brokers, and no filling out repetitive forms for each carrier.

Yes. Soma specializes in placing coverage for businesses that standard carriers and brokers decline. Whether your shop has been turned away due to claims history, specialty work like performance modifications or heavy-duty vehicles, or operational factors that standard underwriters flag, Soma's access to specialty markets — including admitted and non-admitted carriers — means we can almost always find a solution. One application is all it takes to find out.

Yes. Soma's single-application process routes your shop's information to our entire carrier network simultaneously. Our Risk Management Team handles the placement work — matching your risk profile to carriers with the right appetite, negotiating terms, and presenting you with competitive options. You avoid the repetitive paperwork of applying to carriers individually and get to a bindable quote significantly faster than the traditional broker model.