Garage Insurance

Operating a garage means handling customer vehicles and equipment daily, which brings exposure to risks like fire, theft, tool damage and liability claims tied to repair work. Garage insurance may help cover vehicles left in your care, your tools and equipment, and liability for injuries or property damage connected to your operations. Because garages range from general repair shops to specialty service centers, coverage is typically tailored to the specific services your business performs.

What Does Garage Insurance Typically Cover?

Garage policies often combine several coverages into one package. Common coverages include:

• Garagekeepers coverage for customer vehicles left in your care
• Garage liability for accidents during test drives or vehicle transport
• Tools and equipment coverage for repair and diagnostic equipment
• General liability for customer injuries on your premises
• Property coverage for your building against fire, theft or vandalism

Is Garage Insurance Required in California?

California requires workers’ compensation insurance for any garage with employees. Landlords, lenders and manufacturer certifications often require general liability and garagekeepers coverage as well.

How Much Does Garage Insurance Cost?

Premiums vary based on factors like shop size, equipment value, services offered and claims history. Ontario, CA garage owners can get an accurate quote by speaking directly with a licensed agent about their specific operation.