Auto Repair & Body Shop Insurance
Auto Repair Shop Insurance in Los Angeles, CA
Coverage Built for LA Garages, Body Shops & Mechanics
Running an auto repair shop or body shop in Los Angeles comes with real risks—from handling customers’ vehicles to fire hazards and test drive liabilities. You need more than basic coverage. That’s why we offer auto repair shop insurance in California designed specifically for garages, mechanics, and body shop operations across LA.
Whether you're operating a tire shop in Inglewood or a collision center in the Valley, our goal is to make sure your business is fully protected with the right policies—without overcomplicating things.
Key Coverage Options for Garage Owners
Auto service businesses have unique needs. We’ll walk you through the most important coverages to keep your shop running:
Garage Liability
Covers bodily injury and property damage related to your garage’s operations. More tailored than standard general liability.
Garagekeepers Liability
Protects customer vehicles in your care—from theft to accidental damage while in the shop.
Covers your building, lifts, diagnostic equipment, tools, and inventory against fire, vandalism, or theft.
Required in California if you have employees. Covers injuries to mechanics, techs, office staff, and more.
Adds extra liability protection above policy limits—important given the potential size of auto-related claims.
Need to insure your tools? We can help you protect them through your property policy or with optional inland marine coverage.
Why LA Auto Shops Choose Derian Insurance
From independent mechanics to high-volume body shops, we’ve helped garage owners across Los Angeles get the insurance they need—fast. Our team understands what you’re up against and works with carriers who specialize in garage risks.
We’ll make sure your garagekeepers coverage limits are accurate, help with certificate requests (for landlords or dealership contracts), and guide you through the claims process if there’s ever a fire, theft, or customer issue.
You’ll never get passed around between departments. With us, you talk to someone who knows your business and actually picks up the phone.
Auto Shop Insurance FAQs
What’s the difference between garage liability and general liability?
Garage liability is built for auto repair operations and covers more auto-related exposures, like damages from test drives or accidents during service.
Do I need garagekeepers liability?
Yes—especially if you take possession of customers' vehicles. This covers damage while vehicles are in your custody, care, or control.
Can I insure my personal tools as a mechanic?
Yes. Your tools can be scheduled under your shop’s property coverage or insured separately. We’ll help you find the best approach.
Do I need special insurance for towing?
Yes. Tow truck operations require commercial auto insurance and sometimes on-hook towing coverage. We can handle that for you.
What does insurance for an auto shop cost?
Rates vary depending on shop size, number of employees, services offered (like towing or painting), and your coverage limits. We’ll build a quote to fit your shop.
Get a Custom Garage Insurance Quote Today
Whether you’re running a family-owned shop or a busy service center, we’ll build a policy that protects your business from real-world risks. Get started with a no-pressure quote today.