Auto Repair Shop Insurance

Our products are specifically designed to meet the needs of auto repair shops and auto mechanics. Connect with an AmTrust-appointed agent to get a quote.


What is Auto Repair Insurance?

From 2017 to 2022, the auto mechanic industry has grown by 1.9% in the United States. Revenue in 2022 has totaled $78.4 billion, and the market size is expected to increase another 3.5% as the year progresses. As more vehicles get back on the roads and drive more miles, auto repair shops will find business picking up, along with the need to keep their employees and their business protected from certain risks.

AmTrust's auto repair shop insurance policies provide tailored coverages to car repair shops and mechanics, providing them with peace of mind that their organization is protected from various day-to-day mishaps.

Types of Auto Repair Shop Insurance Coverages

AmTrust provides coverage tailored to the needs of auto repair and mechanic shops. Our auto repair insurance policies can be written as a package or monoline.

Workers’ Compensation

Workers' Compensation Insurance protects your auto repair shops by providing benefits to employees injured in the workplace. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

General Liability Insurance

General Liability Insurance provides coverages to auto repair and mechanic shops for bodily injury, personal injury and property damage caused by the business's operations, products, or injury that occurs on the business's premises. This type of business insurance offers overage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.

Commercial Property Insurance

Commercial Property Insurance is crucial for auto repair shops. It protects your building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe burstsstorms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).

Commercial Auto

Commercial auto coverage protects auto repair shops of all sizes from litigation related to automotive incidents, including auto collision, an unloading accident, or a new work truck stolen from the parking lot. This is important coverage if you are a mobile mechanic or use vehicles for the business.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) coverage protects auto repair shops and mechanics in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.

Cyber Insurance

Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. Cyber liability insurance provides coverage for certain losses incurred as a result of data breaches. Businesses are increasingly facing cyber risks that can threaten their operations and even their existence.

AmTrust’s Preferred Exposures for the Auto Repair Industry

Our list of preferred auto repair industry businesses includes, but are not limited to

  • General auto service and repair
  • Lube and oil service
  • Tire shops
  • Brake service and repair
  • Transmission service and repair
  • Paint and body shops
  • Car wash and detailing – including mobile operations
  • Franchise and independent auto dealers*
  • RV dealers*
*Note: Franchise and independent auto dealers and RV dealer classes require separate contract; contact your regional sales manager.

AmTrust Agents

Our appointed agents fully understand the unique risks facing auto repair and mechanics shops. We deliver an unbeatable combination of sound coverage, stable pricing and exceptional service to our insureds and agents. We offer a comprehensive suite of auto repair shop insurance coverages, so our appointed agents have the confidence and the flexibility to provide their clients with the right policy to protect them from risk.
Stay Connected