Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for auto body shops, repair garages, and service centers. We know your risks - and we know how to cover them.
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+1 (626) 778-2586The reality
Fire hazards. Fluid spills. Customer vehicles. Environmental risk. Standard insurers see a garage and run the other way. You're stuck with whoever says yes—and they know it.
A tech backs into a customer's Corvette. A fire destroys three vehicles overnight. Without proper garagekeepers coverage, you're paying out of pocket—or shutting down.
Back injuries. Burns. Crushed fingers. Mechanics have one of the highest injury rates of any profession. You need workers comp built for what actually happens in a shop.
"We place garage risks every day. We know which carriers actually pay claims—and which ones look for excuses."
From liability to equipment, we've got your shop covered.
Covers bodily injury and property damage from garage operations
Protects customer vehicles while in your care, custody, or control
Coverage for tow trucks, service vehicles, and customer test drives
Protects your lifts, diagnostic equipment, and specialty tools
Coverage for injuries to mechanics and shop employees
For oil spills, fluid leaks, and environmental cleanup
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Garage and Auto Repair insurance is a commercial insurance program built around the risks of a garage and auto repair business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe customer vehicles, test drives, lifts and tools, employee injuries, and pollutants such as oil or automotive fluids. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
Garage liability generally addresses covered injuries or property damage arising from garage operations. Garagekeepers coverage addresses covered damage to customer vehicles left in the business’s care, custody, or control. The forms, causes of loss, limits, and deductibles still require review.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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