Mechanical/Repair Shops

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Mechanical/Repair Shops

Tailored Protection for Your Auto Repair Business

We understand the unique challenges faced by mechanical and repair shops. From potential accidents involving staff and customers to the handling of expensive machinery and customer vehicles, the risks can be significant. Mechanical/Repair Shops Insurance is designed to provide comprehensive protection to cover these risks, ensuring that your business can operate smoothly without the worry of potential financial setbacks.


Why Mechanical/Repair Shop Insurance?

Mechanical and repair shops are inherently risky operations. They involve high-value equipment and continuous interaction with customer vehicles, which can lead to various liability and property risks. This specialized insurance helps cover the costs associated with damage to property, injuries on the premises, and potential legal issues arising from your business operations.



Comprehensive Coverage for Your Shop
Garage Keepers Liability

This Key coverage protects you if a customer's vehicle is damaged while in your care, custody, or control, whether from services rendered or accidental damage on the shop floor.

General Liability

Protects your business from claims related to bodily injuries or property damage sustained by customers and other third parties within your shop.

Property Insurance

Covers your buildings and its contents, including tools, equipment, and inventory against theft, fire, and other types of damages.

Business Interruption Insurance

Provides compensation for lost income and covers operating expenses if your shop needs to close temporarily due to a covered loss.


Additional Protection Options
Equipment Breakdown Insurance

Covers the cost of repairing or replacing tools and equipment that breakdown unexpectedly.

Employee Dishonesty Coverage

Protects against losses caused by the fraudulent or dishonest actions of employees.

Cyber Liability Insurance

Important for shops that store sensitive customer information or rely on electronic business operations, protecting against data breaches and other cyber threats.


Expert Support for Automotive Businesses

Selecting the right insurance coverage for your mechanical/repair shop is crucial. Our team at Able Insurance specializes in insurance solutions for the automotive industry and is dedicated to helping you understand your options and choose the best coverage for your needs. We offer expert advice and personalized service to ensure that your insurance solution aligns perfectly with your business requirements.

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We Help To Get Solutions

Mechanical/repair shop insurance is a specialized form of business insurance designed to address the unique risks associated with operating vehicle repair and maintenance facilities. This insurance combines aspects of general liability, property insurance, and often includes specific coverages like garage keepers liability and equipment breakdown.

Any business that operates in servicing, maintaining, or repairing vehicles, including car mechanics, tire shops, oil change stations, and full-service repair shops, should consider this type of insurance. It helps protect against potential liabilities and losses specific to the automotive repair industry.

While general business insurance covers basic risks like customer injuries or property damage, mechanical/repair shop insurance includes additional protections crucial for repair operations, such as coverage for customer vehicles under the shop's care and specific equipment used in vehicle repairs.

Ready to get a Quote?

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Ready to discuss your insurance needs?

Contact us today at Able Insurance. Our expert advisors are here to help you find the best coverage and answer any questions you may have.

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