Auto Repair & Body Shop Insurance
Auto repair and body shops have unique exposures: expensive lifts and diagnostic tools, paint booths and flammable materials, and customers’ vehicles left in your care. Pacific Southwest Insurance Services builds garage insurance programs that cover your building, equipment, customer vehicles and liability.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our auto repair & body shop clients include:
- General auto repair shops
- Collision and body shops
- Tire and oil change shops
- Transmission and engine shops
- Smog check stations
- Auto detailing businesses
Coverage Options
- Building coverage: For shop owners who own the building.
- Tools and equipment: Covers lifts, diagnostic equipment, compressors and hand tools.
- Garagekeepers coverage: Covers damage to customer vehicles in your care from fire, theft, vandalism or collision.
- Garage liability: Covers injuries and damage from your operations and completed work.
- Paint booth and spray equipment: Covers specialized body shop equipment.
- Business income: Replaces income during a covered shutdown.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Type of repair work
- Paint booth and flammable storage
- Number of customer vehicles on site
- Security and overnight storage
- Building construction
- Employee experience
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Paint booth and welding fires: Flammable materials make fires a leading shop claim.
- Damage to customers’ cars: Cars can be damaged in the shop, in a fire or in an accident.
- Lift injuries: Vehicles can fall from lifts.
- Theft of customers’ cars: Cars and keys left overnight are stolen.
Tips for Auto Repair and Body Shops
- Change paint booth filters and keep spray areas clean.
- Lock up keys and park customer cars in a secure area.
- Inspect lifts regularly.
Frequently Asked Questions
Are customer cars covered by my property policy?
No. Customer vehicles need garagekeepers coverage, which protects them while they’re in your care.
Does painting affect my rates?
Yes. Spray painting increases fire risk, so carriers look at your paint booth and ventilation.
Do you insure tow trucks?
Yes. We can add your tow trucks and service vehicles on a commercial auto policy.
Does my policy cover test drives?
Garage liability can cover accidents during test drives of customers’ cars. We’ll make sure it’s included.
Am I covered if a repair I made fails later?
Faulty work coverage can be added to a garage policy. Ask us about it.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Auto Repair & Body Shop Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.