Garage Insurance

Protect your auto repair business with coverage designed for mechanics, auto body shops, and garages of all sizes.

At AIS, we specialize in Garage, Mechanic, and Auto Body Shop Insurance — tailored to protect your shop, your technicians, your tools, and your customers’ vehicles. From liability to garagekeepers and equipment coverage, we understand the unique risks that auto repair professionals face. Safeguard your business, team, and customers with coverage built specifically for auto service and repair operations.

Mechanic checking car rim

Why Shops Choose Advantage Insurance Solutions

From customer vehicles and expensive tools to employee safety and high shop traffic, running an auto repair or body shop comes with serious risks. At Advantage Insurance Solutions, we provide insurance specifically designed for mechanics, auto service technicians, auto body shops, and repair garages—so you can focus on quality repairs while we protect the rest.

Garage Liability Coverage

Protects your business from injuries and property damage that occur during vehicle service.

Garagekeepers Liability

Covers customer vehicles in your care against fire, theft, vandalism, or damage.

General Liability Coverage

Protection if someone is injured at your shop or if you accidentally damage property.

Tools & Equipment Coverage

Covers lifts, diagnostic tools, compressors, and other essential shop equipment.

Business Auto Coverage

Covers tow trucks, service vehicles, or parts-delivery autos used for the business.

Customize Your Policy To Fit Your Business

Choose add-ons that keep your business, tools, and customers’ vehicles fully protected.

  • Mechanic’s Professional Liability

  • Employee Tools Coverage

  • Business Interruption

  • Workers’ Compensation

  • Cyber Liability

  • Commercial Umbrella

  • Employment Practices Liability

You’re not just covered — you’re supported.

With Advantage Insurance Solutions, you also get support that helps your business prevent claims and stay productive.

Fast Claims Service

Regular Follow-ups

Free Programs

Risk Management Solutions

Apply for a Garage & Mechanic Insurance Today

Protect your business and your team with specialized coverage. Our experts make it easy to get the right insurance at the right price.

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Business Entity

Do you have prior coverage?

Do you have prior losses?

Have you had insurance for this type of operation cancelled, declined or non-renewed in the past three years?

Are any animals maintained on premises?

Do you have serviced and changed fire extinguishers on site?

Do you leave keys in vehicles?

Are keys kept in a secure room location with no access by unauthorized persons?

Are autos stored on premises after normal business hours?

Do you ever park your owned vehicles or a customer’s vehicle on the street?

Are signs posted to keep customers from work area?

Is any work performed off-premises (i.e., roadside or customer’s location)?

Describe your vehicle theft barrier/storage for location 1

Describe your vehicle theft barrier/storage for location 2

Describe your vehicle theft barrier/storage for location 3

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Auto Usage

Personal Auto Policy in place?

Do you lease or rent vehicles to others?

Do you have coverage elsewhere for this operation/exposure?

Do you provide /offer autos loaned to customers? (Does not apply to test drives)

Is there a contract agreement?

Do you get a copy of the driver's license?

Do you verify that the customer has auto insurance?

Do you own, work on, sponsor or advertise any vehicles used in racing events?

Do you have an ownership interest in or operate any other business?

Do you rent space at this location to another business?

Do renters carry their own insurance?

Do you store all paints and solvents in a fire resistive cabinet outside the paint booth/room?

Any firearms on premises?

Do you use any subcontractors?

If Yes, do you obtain certificates of insurance?

Do you tow or hire? (If yes, complete Tow Truck Questionnaire)

Do you hold FMSCA permit or DOT registration?

Do you have Transporter or Repairer Plates (Non-dealer)?

Do you drive customers' vehicles for purpose of pick up and/or delivery?

Do you allow customers to drive vehicles into the service bay?