Get auto repair shop insurance in Washington. Garage liability, property, and workers comp for mechanics and body shops. Protect your business today.
Most auto repair shops in Washington need the following types of coverage to protect their business:
Protects against third-party claims for bodily injury, property damage, and advertising injury.
From $19.99/moCombines general liability and property insurance in one convenient package.
From $49.99/moCovers employee injuries and illnesses that occur on the job.
Covers vehicles used for business purposes.
From $99.99/moHere's what auto repair shops need to know about insurance requirements in Washington State:
Not sure what coverage you need? Our team can help you understand Washington's requirements for your specific situation.
Get Expert GuidanceAuto repair shop insurance in Washington typically costs $89.99 to $349.99 per month for a basic package including garage liability and property coverage. Body shops and larger operations pay more. Workers comp is additional and based on payroll. Full coverage for a small shop usually runs $200-400/month total.
Garage liability is specialized coverage for auto service businesses combining general liability with coverage for customer vehicles in your care. It covers damage to cars you're working on, test drives, injuries on your premises, and completed operations claims for work you've finished.
Yes, garagekeepers coverage (part of garage liability) covers damage to customer vehicles while in your care, custody, and control. This includes damage from fire, theft, vandalism, and accidents while moving vehicles. It also covers damage caused by your work on the vehicle.
Yes, mobile mechanics need insurance too. You'll need general liability for damage at customer locations, commercial auto for your service vehicle, inland marine for tools and equipment, and potentially garagekeepers coverage if you transport customer vehicles. Coverage is typically less expensive than a fixed shop.
Yes, garage liability policies include coverage for test drives of customer vehicles. This covers accidents that occur while employees are road-testing vehicles after repairs. Make sure your policy includes adequate limits since an accident in a customer's expensive car can be costly.
Get a free quote in minutes. Our Washington State insurance experts are here to help you find the right coverage at the best price.
