Garage Keepers Insurance

small business owner protected by garage keepers insurance

Help Protect and Maintain Your Customers’ Vehicles With Garage Keepers Insurance

Running an auto repair or service business means taking responsibility for your customers' vehicles while they're in your care. With garage keepers liability insurance, you can continue servicing your customers’ cars with confidence, knowing that you and your business are protected.
 
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small business owner protected by garage keepers insurance

Why Do You Need Garage Keepers Insurance Coverage?

Operating a business that maintains customer vehicles exposes you to unique risks, such as potential damage or theft while the vehicles are in your care. Our business insurance coverage helps ensure that your shop is protected against costly claims.
business protected by garage keepers liability insurance

Who Needs Garage Keepers Insurance?

  • Auto repair shops
  • Emissions testing centers
  • Auto servicing shops
  • Brake shops
  • Mechanic shops

What Type of Insurance Do I Need for a Garage Business?

Most garage businesses start with a Business Owner’s Policy (BOP) for the peace of mind it provides. It helps protect your business from common claims that can come up during normal operations.
 
A BOP combines three essential types of coverage into a single policy:
 
A BOP can help protect your auto business from claims of bodily injury or property damage. You may also need other types of insurance to help protect against other risks, or if it’s required by your state, such as workers’ compensation insurance.
 
Our specialists can work with you to help you get the business insurance coverage you need. Get a quote online – it’s fast and easy.
small business protected by garage keepers coverage

How Much Does Garage Keepers Insurance Cost?

The cost of garage keepers insurance varies because every business owner has unique needs. Here are the average costs customers of The Hartford pay for a few common types of insurance:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Our specialists can work with you to help you get the business insurance coverage you need. Get a quote online – it’s fast and easy.
business owner knows what is garage keepers insurance

Here for You 24/7

Your time is valuable, especially when running a busy garage. That’s why we make it easy for you to access your proof of insurance whenever you need it.

Covering Your Operations

From customer injuries and accidental theft to employee disputes, unexpected challenges can disrupt your garage business if you’re not prepared. Our garage keepers liability solutions can help protect your operations and reputation, so you can run a successful business without worrying about the cost of unforeseen setbacks.
The average slip-and-fall settlement is between $10,000 and $50,000.3
General Liability Insurance for garage keepers

General Liability Insurance

“One day, a customer tripped over a crack in our parking lot and ended up in the hospital. Medical bills and potential legal claims were suddenly top of mind.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance for garage keepers

Professional Liability Insurance

“A customer came back to us claiming that a repair we had done on their vehicle caused further damage. They were upset and even threatened to sue, saying our work was negligent and that it cost them more money to fix the issue elsewhere.”
 
Professional liability insurance helps cover claims that you made a mistake in the professional services you provided. It can help pay your legal defense costs, attorney fees or other court-related costs.

Taking Care of Your Team

Whether you manage a small garage or a large auto repair center, protecting your mechanics and staff is essential to the success of your business. In a garage environment, your workers are exposed to various risks, including heavy lifting, repetitive motions, slippery floors, chemicals and falling objects. Garage keepers coverage helps protect your team and can get them back to their job if they get hurt or sick.
There were nearly 18,000 nonfatal injuries and illnesses in the auto repair and maintenance industry in 2022, with over half causing days away from work.4
workers' compensation insurance for garage keepers

Workers’ Compensation Insurance

“A few months ago, one of our mechanics was working on a vehicle when they slipped and severely injured their back. They needed immediate medical attention and ended up requiring weeks of physical therapy and recovery time.”
 
Workers’ compensation insurance gives your mechanics and team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Employment Practices Liability Insurance for garage keepers

Employment Practices Liability Insurance

“Last year, my general manager had to end a contract with a parts vendor. She ended up getting named in a lawsuit from the vendor, claiming she and our shop discriminated against them.”
 
Employment practice insurance helps protect your business and team from employment-related claims, like wrongful termination, discrimination and harassment. These claims can come from customers or vendors.

Protecting Your Property

From unexpected natural disasters to everyday wear and tear on machines and tools, having the right insurance is essential to keeping your business up and running. Garage keepers insurance helps ensure your business recovers when unexpected theft or damage occurs.
Roadway incidents, like car accidents, resulted in average of 14 days away from work.5
Commercial Auto Insurance for garage keepers

Commercial Auto Insurance

“One of our employees was driving to pick up supplies for the shop when they got in a fender bender. Thankfully, the injuries were minor, but the damage to the vehicle was significant.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.
Commercial Property Insurance for garage keepers

Commercial Property Insurance

“When I got to my garage, I realized the back door was open, our toolboxes were empty and we were missing a few parts from our inventory.”
 
Commercial property insurance helps protect the equipment and property you use to operate your garage from damage or loss.

Garage Keepers Insurance You Can Count On

We understand the challenges you face as a garage owner, from creating a safe work environment for your staff to ensuring your customers’ cars are well cared for. That’s why our garage keepers and garage liability coverage is designed to fit your specific needs, offering peace of mind and comprehensive protection for your business.

Frequently Asked Questions About Garage Keepers Insurance

Garage keepers insurance solutions help protect your business from risks you face during normal operations. You can get different types of coverage to protect against various claims. For example, general liability insurance can help protect your garage from claims that it injured someone or damaged somebody else’s property. Workers’ compensation insurance can help cover employees’ injuries or illnesses caused by their job. You can also help protect your shop’s equipment, such as vehicle lifts, air compressors and other tools, with commercial property insurance coverage.
Garage keepers insurance is critical because it helps protect your practice from claims that can come up during normal operations. It helps cover expenses related to various claims, such as property damage or workers’ compensation. Without coverage, you may have to pay out of pocket for costly damages, which could be financially devastating to your business. Plus, some states require certain types of business insurance, so it’s important to stay protected and compliant.
 The best way to get garage keepers insurance from The Hartford is to get a free quote online. Our process is fast and simple. In just a few minutes, you can get a quote for your daycare business’ needs.
business protected by garage keepers insurance coverage

Garage Keepers Insurance Made for Your Business

Get the protection you need to keep your business safe.
 
Quote Today
 
 
Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
3 Forbes Magazine, “Forbes Advisor Personal Injury Slip and Fall Lawsuit”
 
4 U.S. Bureau of Labor Statistics, “Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2022”
 
5 National Safety Council, “Roadway Incidents”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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