Protect your auto repair business with specialized insurance that covers you, your customers, and their vehicles.
If you operate a mechanic shop, garage, or auto service business, standard business insurance isn’t enough. You need garage liability insurance—a policy designed specifically for the risks you face on the job.
At Erazo Insurance, we help repair shop owners secure reliable coverage backed by trusted national carriers.
Garage Liability Insurance for Mechanics & Auto Repair Shops
What Is Garage Liability Insurance?
Garage liability insurance protects your business from claims related to bodily injury or property damage caused during your operations.
This coverage is essential for:
Mechanics and auto repair shops
Tire, oil change, and brake shops
Transmission and body repair businesses
Mobile mechanics with physical service locations
Examples of what’s covered:
A customer slips and falls in your shop
A vehicle is damaged during a test drive
You accidentally damage a client’s property while working on their car
This type of insurance is broader than general liability because it’s tailored for businesses that work on, move, or store customer vehicles.
What Is Garagekeepers Insurance?
Garagekeepers insurance covers damage to customer vehicles while they’re in your possession—for service, storage, or repair.
Covered risks may include:
Fire
Theft or vandalism
Collision damage while moving a vehicle
Natural disasters or accidents in your garage
You’ll want garagekeepers coverage if you:
Store customer vehicles overnight
Have vehicles parked on-site for more than a few hours
Move customer cars in and out of bays or parking areas
Many mechanics carry both garage liability and garagekeepers insurance to ensure broad protection.
We have earned the trust of hundreds of mechanics, body shops, and dealers
David Cole: Experienced Insurance Broker for Auto Service Businesses & Dealerships
David Cole is a highly experienced insurance broker with a deep understanding of the auto service industry. Having started his career in insurance at the age of 24 and managed his own auto dealership, David brings valuable real-world experience to business owners in the automotive sector. His extensive market knowledge and hands-on expertise make him the ideal choice for mechanics, auto service businesses, and dealerships looking for tailored insurance solutions.
Specializing in Garage Liability Insurance, Commercial Auto Insurance, and Workers’ Compensation Insurance, David ensures your business is protected from common and uncommon industry risks. With his ability to clearly explain coverage options and guide clients through the selection process, David helps business owners understand their needs and secure the best policies.
Whether you're looking for competitive rates or comprehensive protection, trust David Cole to offer personalized service and expert advice. With David’s unique combination of insurance expertise and auto industry experience, your business will have the coverage it needs to thrive.
Our clients like us, a lot!