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  • Specialized Auto Repair Shop Coverages

Specialized coverages

Along with all the coverages you’d expect: general liability, garagekeeper’s insurance, workers’ compensation, and excess liability, we offer additional coverages that cater to your auto repair business.

Mechanics’ errors & omissions liability

This endorsement includes broad form products coverage, coverage for your work, and coverage for any negligent act, error, or omission that occurs during the course of your auto repair shop operations.


Garagekeeper's insurance

Your business always has other people’s vehicles in your possession, so, you need this coverage to protect you in the event that a vehicle in your possession is damaged.


Coverage for your work

During a routine tire and brake change, your employee overtightens the parts, causing damage. Your average base insurance will most likely exclude damages that occur from work you perform. By adding coverage for Property damage to your work - garage operations, you would be covered up to the scheduled limit. 


Broad form products coverage 

This form can help provide coverage for property damage to your product. 


Limited pollution coverage

Should there be a loss causing environmental damage, this coverage could help protect against financial consequences.


Hired and nonowned auto

You are driving customers’ vehicles constantly. Should there be a loss while you are driving, this coverage could offer protection.


Water backup and sump overflow

This coverage may help safeguard your building investment in the event of a costly water loss. 


Employee dishonesty

This form provides coverage for employee theft of money, securities, or property.


Portable tools or employee tools coverage 

Your shop is broken into, and employees' tools that are used in your business are stolen. Coverage for this incident would require an employee tools coverage form. 

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Let us focus on your insurance, so you can focus on running your business.


Get answers from our insurance experts.
Recently, with the increase in inflation, issues with the global automobile part supply chain, and the current state of the used car market, Acuity reached out to local automotive repair facilities asking if they could share their firsthand knowledge regarding the climate of today’s auto repair market.
The National Insurance Crime Bureau, NICB, counted just 3,969 reports of stolen catalytic converters in 2019, more than 17,000 in 2020, and more than 52,000 last year. One could speculate that there is a connection with the pandemic and recent inflation. The NICB offers several prevention tips, including parking in a secure area, installing motion sensor lights in the front of your home, and installing an anti-theft device for the catalytic converter on the vehicle.
Many small and independent auto repair shops are experiencing training and resource barriers when it come to the latest trends in electric and hybrid vehicles. However, the future is electric vehicles. With more automakers making commitments to increase production of electric and hybrid vehicles, repair shops must be prepared to remain successful.