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Auto Repair Shop & Dealer Insurance in California
Insurance for California auto shops and dealers.
✓ Garagekeepers coverage done right
✓ DMV dealer and car wash bonds
✓ Insurance and surety bonds from one agency
Get an auto business quote
Tell us about your business. A licensed advisor will follow up.
No obligation. We’ll only use your information to prepare your quote.
Businesses we insure
What auto businesses ask us for
Garage Liability
Covers injuries and damage tied to your shop and your work, like a customer hurt in the bay or a faulty repair that leads to an accident.
Garagekeepers
Protects customers' vehicles in your care from fire, theft, vandalism, or damage during a test drive.
Property & Equipment
Your building, lifts, diagnostic equipment, tools, and parts, plus lost income if you have to close for repairs.
Dealer Open Lot
Covers vehicles on your lot against hail, theft, vandalism, and other physical damage.
Workers' Compensation
Coverage for technicians, porters, and office staff, classified correctly for the work they do. Pay-as-you-go options available.
Commercial Auto
Tow trucks, parts runners, shuttles, and loaner cars your business owns or uses.
Want the details on each coverage? See all business insurance coverage →
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Coverage built for auto businesses
Protection for your shop and your customers' vehicles.
A standard business policy can leave auto shops and dealers exposed. We set up coverage that fits how your business actually runs.
Need a DMV or car wash bond?
We also write the bonds auto businesses need to get and keep their licenses:
- Car Wash Bond
- DMV Defective Title Bond
- DMV Motor Vehicle Dealer Bond
- DMV Motor Vehicle Wholesaler Bond
Garagekeepers coverage
Protection for customer vehicles in your care, sized for your busiest days.
Errors & Omissions
Protects dealers and shops from claims tied to paperwork and professional mistakes, like title, registration, or financing errors.
Tools & equipment
Coverage for your shop equipment and the tools your technicians rely on.
License bonds
Dealers, wholesalers, and car washes need bonds to keep their state licenses.
Have these ready and we can move fast.
Don't have everything? Send what you have. We'll help fill in the rest.
- Type of work you do and your annual revenue
- Number of employees and annual payroll
- Building size, construction, and whether you own or lease
- Most customer vehicles on site at once, or lot inventory value
- Loss runs for the last 3–5 years, if you have them
Auto shop & dealer insurance FAQs
What's the difference between garage liability and garagekeepers?
Garage liability covers injuries and damage caused by your business operations and your work. Garagekeepers covers your customers' vehicles while they're in your care, custody, or control.
Do I need garagekeepers if my customers have their own auto insurance?
Yes. A customer's policy may not respond, and claims for damage in your shop often come back to you. Garagekeepers protects both the vehicle and your relationship with the customer.
What bonds do California car dealers need?
The California DMV requires a dealer bond to get and keep a dealer license, and wholesalers need their own bond. We also write car wash bonds and DMV defective title bonds.
Are my technicians' tools covered?
Often not under a standard property policy, since employees usually own their own tools. We can add coverage so a fire or theft doesn't leave your team without their equipment.
How much does auto repair shop insurance cost?
It depends on the work you do, your revenue and payroll, your building, the number of customer vehicles on site, and your claims history. A free quote is the quickest way to know.
Renewal coming up? Let's compare.
Send us your current policy and we'll check it for gaps before you renew.