Garage Liability | Garagekeepers | Tools & Equipment | Property Coverage
If you own or manage an auto repair shop, you know that every vehicle you service carries both opportunity and risk. From customer cars in your care to the expensive tools you depend on daily, one unexpected event could put your business on hold.
At Catanzaro Insurance, we help independent repair shops, quick lubes, and specialty garages across Ohio, Indiana, and Illinois protect what they’ve built. We understand the challenges that come with running a repair business — and we make getting the right coverage simple, fast, and affordable.
✅ What Coverage Does an Auto Repair Shop Need?
Garage Liability Insurance
Covers injuries or property damage that occur as a result of your operations. Whether it’s a customer slip-and-fall or an accidental fender scratch, this policy protects your shop against claims that could otherwise be devastating.
Garagekeepers Legal Liability
Protects customers’ vehicles while they’re in your possession — being repaired, test-driven, or stored. Coverage includes fire, theft, vandalism, and accidental damage.
Tools & Equipment Coverage
Your tools are essential to your livelihood. This policy protects your diagnostic scanners, lifts, jacks, and power tools against theft or damage — even if they travel offsite for mobile work.
Business Property Coverage
Shields your building (if owned), signage, office furniture, and parts inventory from fire, theft, or other covered causes of loss. You can also include Business Income protection to replace lost income if your shop must close after a covered event.
Business Auto Coverage
If you use vans, shuttles, or parts delivery vehicles, this coverage protects your business autos — and anyone driving them — from liability and physical damage losses.
Optional Coverages
Pollution Liability: For businesses handling oils, solvents, and antifreeze.
Cyber / Data Breach: Protects you if customer or payment data is compromised.
Umbrella Liability: Adds an extra layer of protection above your primary policies.
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🚗 Who Needs Auto Repair Shop Insurance?
We insure a wide range of automotive service businesses, including:
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General auto repair shops
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Quick lube and oil change centers
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Tire, brake, and alignment shops
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Transmission specialists
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Performance and tuning shops
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Mobile and on-site mechanics
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Shops offering accessories or detailing
If your business repairs, maintains, or services vehicles, you need a plan designed for your specific risks.
Why Choose Catanzaro Insurance
- Ohio-Based, Midwest Reach: Licensed in Ohio, Indiana, and Illinois
- Automotive Industry Expertise: We know your exposures and what coverages actually matter
- Fast, Accurate Quotes: Simple process, clear answers, no guesswork
- Ongoing Support: We stay with you through renewals, audits, and policy reviews
We don’t just sell policies — we help business owners make confident, informed coverage decisions that protect their livelihood.
Real-World Scenarios
- A customer’s car is scratched during a brake job — Garagekeepers covers the damage.
- A diagnostic scanner is stolen overnight — Tools & Equipment replaces it.
- A fire damages your parts inventory — Business Property helps rebuild fast.
Every shop faces these risks. The right protection means you can focus on repairs, not insurance paperwork.
Auto Repair Shop Insurance FAQs
Q: Do I need garagekeepers coverage for my repair shop?
A: Yes. If you work on or store customer vehicles, garagekeepers coverage protects those vehicles while in your care.
Q: Is general liability the same as garage liability?
A: No. Garage liability includes additional protections specific to auto service operations.
Q: How much does auto repair shop insurance cost in Ohio?
A: Most shops pay between $1,200–$4,000 per year depending on size, payroll, and services offered.
Get a Free Auto Repair Shop Insurance Quote
Protect your business, your tools, and your reputation with coverage designed for your needs.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or complete the short form below to request a quote.
We’ll review your current setup, identify coverage gaps, and provide competitive options built specifically for auto repair shops in Ohio, Indiana, and Illinois.
Related Pages
Coming Soon: Auto Detailer Insurance