Protection for Your Shop, Tools & Customers’ Vehicles
From customer vehicle damage to employee injuries, garages and repair shops face unique risks. We help auto service businesses in Southern Illinois find coverage that fits—from small repair bays to full-service shops. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Garage Insurance Cover?
Garage insurance combines general liability with specialized protections like garagekeepers coverage, property insurance, and workers’ comp. We’ll tailor it based on your services. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Auto Shops Need Specialized Coverage
Standard business insurance often doesn’t cover customer vehicles or high-value tools. Garage insurance is built specifically for your operations—from oil changes to custom jobs.
Core Protections
Garagekeepers Coverage
Protects customer vehicles in your care from fire, theft, or damage.
Property & Tools Coverage
Covers buildings, lifts, diagnostic equipment, and specialty tools.
Employee & Liability Protection
Includes workers’ comp and coverage for injuries on-site.
Garage Insurance FAQs
Is garagekeepers coverage the same as general liability?
No. General liability protects your business operations. Garagekeepers protects customer vehicles.
Do I need this if I only do detailing?
If you take possession of customer vehicles, yes—you likely need garagekeepers insurance.
What if I lease my building?
We can help you cover your business property and equipment, even if you don’t own the building.
Can I get coverage for test drives?
Yes. Commercial auto insurance can include demo or test-drive coverage.