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Auto Repair Shop Insurance in California

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You have successfully set up a business that provides high-quality vehicle repair services to California drivers. But what if something goes wrong and your auto repair business faces a disruption? How fast will your current insurance agent help you recover and resume your operations?


Auto Repair Shop insurance is a type of business insurance that covers the risks and liabilities faced by auto repair shops and their employees. It can include coverage for property damage, bodily injury, theft, vandalism, equipment breakdown, garage liability, garagekeepers liability, workers' compensation and more. 


California Auto Repair Shop insurance will help protect your business from lawsuits, accidents and unexpected losses.


We Provide the Best Rates on California Auto Repair Shops Insurance


At Western Insurance, we specialize in auto repair business insurance. We have over 50 years of experience in helping auto repair businesses like yours protect their assets and livelihoods. Our customized policies cover everything from your building and equipment to your employees and customers. We also provide fast and hassle-free claims processing, so you can get back to work as soon as possible.


Don't let a disruption ruin your auto repair business. Contact us today and get a free quote for your auto repair business insurance. 


We'll help you find the right coverage at the right price, so you can focus on what you do best: fixing cars.

Commercial Property Insurance for Auto Repair Shops


One of the most important types of insurance you should have for your California auto repair shop is commercial property insurance.


Commercial property insurance covers the physical assets of your auto repair shop, such as your building, equipment, tools, inventory, furniture, and fixtures. It can help you pay for repairs or replacements if your property is damaged or destroyed by a covered peril.


Some of the common perils that commercial property insurance covers are:


  • Fire and smoke
  • Lightning and windstorms
  • Hail and snow
  • Explosion
  • Theft and burglary
  • Vandalism and malicious mischief
  • Falling objects
  • Water damage from burst pipes or sprinklers
  • Power surges


Unless specified in the contract, commercial property insurance does not cover damage caused by earthquakes, floods, or wear and tear. You may need to purchase special policies or endorsements for these perils.


The cost of commercial property insurance for auto repair shops in California depends on several factors, such as:


  • The size and location of your shop
  • The value and condition of your property
  • The type and amount of coverage you need
  • The deductible and limit you choose
  • The security and safety measures you have in place


To find out how much commercial property insurance for auto repair shops in California would cost you, contact us today. We can help you compare quotes from different insurers and find the best coverage for your needs and budget.

General Liability Insurance for California Auto Repair Shops


General liability insurance covers your legal expenses if you are sued by a third party for bodily injury or property damage caused by your business operations. For example, if a customer slips and falls on a wet floor in your shop, or if a faulty repair causes an accident on the road, you could be held liable for the resulting medical bills, vehicle repairs, or other damages. 


General liability insurance can also cover your advertising injuries, such as libel, slander, or copyright infringement. 


The cost of general liability insurance for auto repair shops in California depends on several factors, such as the size and location of your business, the number and type of vehicles you service, the amount of coverage you need, and your claims history. 



General liability insurance is not enough to fully protect your auto repair shop from all potential risks. You may also need other types of insurance, such as workers' compensation, commercial auto, garagekeepers liability, business property, and business interruption.

Garage Liability Insurance


This is a special type of business insurance that covers your legal liability for bodily injury and property damage caused by your garage operations. It also covers your premises, products, and completed operations.


Garage liability insurance is different from general liability insurance because it covers the specific exposures of auto repair shops, such as customer vehicles in your care, custody, or control, faulty workmanship, defective parts, and pollution liability. 


The cost of garage liability insurance depends on several factors, such as the size and location of your business, the number of employees, the types of services you offer, and the amount of coverage you need. The average annual premium for garage liability insurance in California ranges from $1,500 to $5,000.

Garagekeepers Insurance


Garagekeepers insurance is a type of property insurance that covers the vehicles and equipment that you store or work on at your premises. It pays for the repair or replacement of these items if they are damaged or stolen while in your care, custody, or control.


Garagekeepers insurance is different from garage liability insurance, which covers your legal liability for bodily injury or property damage that you cause to others while conducting your business. Garage liability insurance does not cover the vehicles and equipment that belong to your customers or that you borrow or rent for your business.



You can choose from different levels of coverage, such as legal liability, direct primary, or direct excess. You can also choose the limit of coverage per vehicle and per occurrence.

Workers' Compensation Insurance


Workers' compensation insurance is a type of coverage that protects both employers and employees in case of work-related injuries or illnesses. In California, workers' compensation insurance is mandatory for all businesses with one or more employees, including auto repair shops. 


Auto repair shops face various risks in their daily operations, such as accidents involving tools, machinery, chemicals, or vehicles. Workers' compensation insurance can help cover the medical expenses, lost wages, and legal costs of injured workers, as well as provide benefits to their dependents in case of death. Workers' compensation insurance can also protect auto repair shop owners from lawsuits filed by injured workers or their families.

Commercial Auto Insurance


If you own or operate an auto repair shop in California, you need commercial auto insurance to protect your business vehicles and your customers' vehicles. Commercial auto insurance covers the costs of accidents, injuries, property damage and lawsuits related to your business vehicles.


Commercial auto insurance is required by law in California for any vehicle used for business purposes. The minimum liability limits are $15,000 per person, $30,000 per accident for bodily injury and $5,000 for property damage. However, depending on the type and size of your vehicles, you may need higher limits or additional coverages to fully protect your business.


Some of the coverages you may want to consider for your auto repair shop are:


  • Collision: This covers the damage to your business vehicle if it collides with another vehicle or object.
  • Comprehensive: This covers the damage to your business vehicle from causes other than collision, such as fire, theft, vandalism, or weather.
  • Medical payments: This covers the medical expenses for you and your passengers if you are injured in an accident involving your business vehicle.
  • Uninsured/underinsured motorist: This covers the costs if you are hit by a driver who has no insurance or not enough insurance to pay for your damages.


Commercial auto insurance will be limited to your business-owned vehicles and the damages they cause to third parties.

Business Interruption Insurance


This type of coverage, also known as Business Income insurance, can reimburse you for the income you lose while your business is shut down due to a covered peril. It can also cover the costs of relocating to a temporary location, renting equipment, advertising, and other expenses you incur to restore your business.


Business Interruption insurance is usually part of a Business Owner's Policy (BOP) that combines General Liability and Commercial Property insurance. However, some insurers may offer it as a standalone policy or an endorsement to your property insurance.


To qualify for Business Interruption insurance, you must have a physical location for your auto repair shop and a cause of loss that is covered by your policy. For example, if a fire damages your shop and you have fire coverage in your Property insurance, you can claim Business Interruption benefits. But if an earthquake damages your shop and you don't have earthquake coverage, you won't be able to claim Business Interruption benefits.



The amount and duration of Business Interruption benefits depend on your policy limits and the length of time it takes to repair or replace your damaged property. Some policies may also have a waiting period or a deductible before the benefits kick in.

Get The Best Rates on California Auto Repair Shop Insurance


If you own or operate an auto repair shop in California, you need reliable and affordable insurance to protect your business. 


Western Insurance agents are experts in finding the best rates and coverage for your specific needs. Whether you need garage liability, garagekeepers, workers compensation, or any other type of insurance, we can help you compare quotes from multiple carriers and save money. 



Contact us today for a free consultation and quote.

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