Coverage Options
Performance & Tuner Shop Insurance
Every policy a performance or tuner shop needs — in one place, from specialists who know the automotive business.
Garage Liability Insurance
Garage liability is the foundation coverage for any performance or tuner shop. It combines premises and operations liability with auto exposure unique to the garage business — including damage your shop causes while road-testing a customer's car.
General Liability Insurance
General liability protects your business against third-party claims of bodily injury and property damage — a customer hurt at your parts counter, a visitor injured on your premises, or damage to a third party's property.
Garagekeepers Insurance
Garagekeepers covers physical damage to customers' vehicles while they're in your care, custody, or control — the high-value exposure of every car on your lifts and in your lot, which general and garage liability exclude.
Products & Completed Operations Insurance
Products & completed operations covers claims arising after your work is done or your part is sold — a failed tune, a defective installed component, or a build that leads to engine damage or an accident down the road.
Commercial Property & Equipment Insurance
Commercial property insurance covers the physical assets of your shop — building or tenant improvements, lifts, dyno, diagnostic and tuning equipment, tools, and parts inventory — against fire, theft, and other covered perils.
Commercial Auto Insurance
Commercial auto covers the vehicles your business owns and operates — parts-runner vehicles, shop trucks, enclosed trailers, and rollback transporters used to haul customer cars to the track or between locations.
Workers Compensation Insurance
Workers compensation is required in nearly every state once you have employees. It pays medical expenses and lost wages when a technician, fabricator, or counter staff member is injured while working.
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