Auto Body Shops
Auto Repair Facilities
Detail Shops
Paintless Dent Repair
Towing Operations
Auto services businesses carry exposures that standard commercial policies aren’t always built to handle. Customer vehicles on your premises, work performed on high-value cars, towing operations with liability at every hook-up. These require coverage structured for the industry, not retrofitted from a generic business owner policy.
A shop that works on everyday vehicles has different exposure than one handling high-value or collector cars. A towing operation has different liability than a detail shop. We look at what you actually do before we build coverage around it.
The foundational coverage for auto services businesses. Covers bodily injury and property damage arising from your operations, including damage to customer vehicles in your care, custody, or control.
Specifically covers damage to customer vehicles while they’re in your possession for service, storage, or repair. This is a separate coverage from general liability and one that’s frequently misconfigured.
Your building, equipment, tools, and inventory. Auto services facilities often have significant equipment investment that needs to be accurately valued and scheduled.
Coverage for vehicles owned or operated by your business, including tow trucks, courtesy vehicles, and test drive exposure.
Auto services work carries real injury exposure. Work comp class codes for mechanics, body technicians, and tow operators need to be accurate to avoid audit problems at renewal.
When a claim involves a high-value customer vehicle or a serious injury, primary limits can be exhausted quickly. Umbrella coverage extends your protection where it matters most.
Every auto services business is different. Whether you’re running a single-bay shop or a multi-location operation,
we’ll build coverage that reflects your actual exposure. We stay involved as your business grows.
