Garage Insurance in Minnesota

Garage Insurance can help address risks faced by auto repair shops, mechanics, service garages, and related automotive businesses. Depending on the situation, important exposures may include customer vehicles, test drives, faulty work allegations, lifts, tools, fire, and customer injuries.

Insurance options can vary considerably between companies. Maverick Risk Partners can help clients in Minnesota compare available policies and review important differences in coverage, limits, deductibles, eligibility, and exclusions.

Why Is Garage Insurance Important?

An automotive repair garage is responsible for more than its own building and tools. Customer vehicles may be stored overnight, employees may test-drive cars, and a mistake during service can potentially lead to property damage or an accident after the vehicle leaves the shop.

The goal is not simply to purchase a policy with the lowest premium. It is to understand the exposures involved and select insurance that fits the individual, property, vehicle, or business as closely as possible.

Garage Insurance Coverage Options

The appropriate coverage depends on the specific situation. Options may include some of the following protections.

Garage Liability Insurance

Garage liability coverage may help address certain bodily injury and property damage claims arising from garage operations.

Garagekeepers Coverage

Garagekeepers coverage may help protect customers’ vehicles while they are in the business’s care, custody, or control, subject to the coverage form selected.

Commercial Property Insurance

Property insurance may help protect the shop building, office contents, inventory, and other insured business property.

Tools and Equipment Coverage

Mechanics’ tools, diagnostic equipment, lifts, and other equipment can be expensive to repair or replace after a covered loss.

Workers’ Compensation Insurance

Workers’ compensation may help with eligible employee injuries involving lifts, tools, vehicles, slips, strains, or other workplace hazards.

Garage Insurance FAQs

What is the difference between garage liability and garagekeepers insurance?

Garage liability generally addresses certain liability arising from garage operations, while garagekeepers coverage is designed to protect customers’ vehicles while they are in the business’s care, custody, or control.

Does mechanic shop insurance cover a customer’s car if an employee damages it?

Garagekeepers coverage may respond to certain covered damage to customer vehicles, depending on the cause of loss and the coverage form selected.

Are test drives covered by garage insurance?

They may be when the policy is properly written for the garage operation and eligible drivers. Driving exposures and employee driver records are important underwriting considerations.

Does garage insurance cover tools and diagnostic equipment?

Commercial property or inland marine coverage may protect eligible tools, lifts, diagnostic equipment, and other business property against covered losses.