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Auto Repair Insurance

You work hard to keep your customers satisfied. Make sure your business is protected against various losses with the Merchants Advantage Plus® program, designed specifically for automotive repair and collision centers.

Protect your auto shop with the right business insurance

We provide coverage for various automotive repair and service shops, including those that work on air conditioning systems, auto glass, brake and electrical systems, transmissions, tune up services, and emissions systems.

General Liability (GL) Insurance

Helps protect your business from claims involving bodily injury and third-party property damage, for example, if a customer slips and falls while visiting your shop or if a customer’s personal property is damaged while it is at your location. Merchants has liability coverages available to help protect your auto repair shop such as:

Garagekeepers’ Liability

Protects you and your customers against physical damage to a customer’s auto during normal garage operations.

Hired Auto and Non-Owned Auto Liability Coverage

Provides excess liability coverage for personally-owned or rented autos used by you and your employees for your business.

Mechanics Professional Liability

Provides coverage if a customer makes a claim that you have been negligent.   

Commercial Property Insurance

Building and Business Personal Property Coverage protects you against loss to your physical assets such as your building, its contents, and your equipment. Merchants has property coverages available to help protect your auto repair shop such as:

Equipment Breakdown

Equipment Breakdown coverage responds to the cost of repairing or replacing mechanical, electrical or pressure systems equipment that suffers a breakdown. Covered property can include compressors, pumps, hydraulic equipment, and generators.

Business Income and Extra Expense

Provides reimbursement of net lost business income and continuing normal operating expenses due to the suspension of your business operations from a covered loss.

Mechanic Tools and Equipment

Available coverage for scheduled and unscheduled tools on your premises and off premises. This also covers theft of employee tools.

Need Additional Coverage?

Merchants also offers Optional Coverages to complete your Auto Repair Policy.

Cyber Liability Coverage (Not available in Vermont)

This provides comprehensive data security and privacy coverage that address both first party losses and third party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.

Learn More

Money saving discounts for:

  • Commercial Auto Discount for eligible vehicles written on a companion Merchants Commercial Auto Policy
  • Newer Construction
  • Protective devices for fire and burglar alarms
  • Multiple Locations
  • Association and/or Franchise Membership
Payment Options