Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 17, 2026.
GENERAL LIABILITY
Auto Services $62/month for general liability
WHY IT MATTERS
Why Auto Services need business insurance
Auto service work brings customers, vehicles, employees, tools, and property together in one operation. Business insurance can address different risks through separate coverage lines, each with its own terms and exclusions.
SCENARIO 1
A customer is injured at the shop
A customer slips in the waiting area and alleges that the business caused the injury. General liability insurance may help with covered medical expenses, legal defense, and resulting damages.
SCENARIO 2
A business vehicle is in an accident
An employee has an accident while driving a covered service, delivery, or towing vehicle. Commercial auto insurance may help pay for covered vehicle damage, injuries, and liability claims.
SCENARIO 3
A fire damages the workspace
A fire damages the shop, equipment, and business inventory. Commercial property insurance may help repair or replace covered property, subject to the policy terms.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services performed
Higher-risk work or a broader range of services can increase the liability exposure considered in a quote.
Revenue and customer activity
More sales and customer activity can increase the number of potential property damage or injury claims, which may raise rates.
Employees and payroll
A larger workforce or higher payroll can increase workers' compensation exposure and affect the yearly cost.
Business vehicle use
More vehicles, longer driving distances, towing work, and employee driving can increase commercial auto rates.
Property and equipment
Larger facilities and higher equipment or inventory values can increase the amount of property coverage needed and its cost.
Claims and coverage choices
Prior claims, selected deductibles, coverage limits, and optional protections can all move a quote higher or lower.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For auto service businesses operating nationally, rates and requirements vary by state and by carrier, while each location's operations also shape the quote.
State requirements
Insurance requirements vary by state and by carrier, and customer or landlord contracts may set additional coverage terms.
Location exposure
Traffic conditions, weather exposure, theft risk, and the characteristics of each facility can affect commercial auto and property rates.
Carrier fit
Rates and eligibility can vary by carrier based on the services offered, business vehicles, claims history, and requested coverage.
1,531
Quotes analyzed
51
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Organize current business details
Gather payroll, revenue, vehicle, driver, property, and equipment information so the quote reflects the operation accurately.
Document safety practices
Record employee training, vehicle maintenance, shop procedures, and incident reporting practices for review during the quote process.
Check business classifications
Describe every service accurately, including repair, detailing, towing, mobile work, or vehicle sales, to reduce coverage mismatches.
Review limits and deductibles
Use customer, landlord, and lender contracts to identify needed limits, then choose deductibles the business can reasonably manage.
FAQ
Common questions
What types of business insurance should an auto service business consider?
Relevant options can include general liability insurance, a business owners policy, commercial auto insurance, workers' compensation, and commercial property insurance. The right combination depends on your services, employees, vehicles, property, and contractual requirements.
What does general liability insurance cover for an auto service business?
General liability insurance may help with covered third-party bodily injury, property damage, and related legal defense. It does not replace commercial auto, workers' compensation, or property coverage, and exclusions apply.
Do I need commercial auto insurance?
Commercial auto insurance may be appropriate when a business owns or uses vehicles for service calls, parts delivery, towing, or other work. The vehicle ownership, drivers, usage, and applicable requirements help determine the coverage needed.
Are customer vehicles automatically covered by business insurance?
No, customer vehicles are not automatically covered by every business insurance policy. Explain when vehicles are stored, moved, tested, repaired, or towed so the appropriate coverage and exclusions can be reviewed.
How can I prepare for an auto services insurance quote?
Start with accurate details about services, revenue, payroll, employees, vehicles, drivers, property, equipment, prior claims, and contract requirements. One quick form can help you begin the process.