Auto Repair Shop Insurance in Tracy, CA
Running an auto repair shop requires various business insurance policies and endorsements to help cover common risks. Having appropriate insurance coverage is essential to help protect against potential financial setbacks.
Your agent may recommend the following core coverages: 
- Garage liability insurance may help cover bodily injury and property damage claims that arise from your business operations.
- Garage keepers insurance is designed for auto repair shops that handle customers’ vehicles. It may help cover vehicle damage while a customer’s car is in your care.
- Commercial property insurance may help protect your company’s assets from perils such as fire, theft, vandalism, and natural disasters.
- Commercial auto insurance is required by state law if your business uses vehicles for operational purposes. This insurance may help cover liability and physical damage to the insured vehicles.
- Workers’ compensation insurance is required for California businesses with employees. This coverage may help provide financial assistance for medical expenses and lost wages if an employee is injured while on the job.
Many auto repair shops choose to customize their insurance coverage with the following policies:
- Cyber liability insurance has become essential as auto repair shops increasingly manage digital records and customer data. This coverage may help protect against financial losses from data breaches, cyberattacks or other cyber-related incidents.
- Commercial umbrella insurance is a valuable option for additional protection beyond standard liability coverage limits, providing extra coverage for large lawsuits or claims that exceed the limits of your primary liability policies.
- Pollution liability insurance may help cover the costs associated with accidental spills, contamination and cleanup efforts.
- Equipment breakdown insurance may help cover your shop’s machinery in case of a malfunction. This coverage is crucial for minimizing downtime and ensuring your shop remains operational even when equipment fails.
- Business interruption insurance may help cover the loss of income and ongoing operating expenses if a covered peril, such as a fire or natural disaster, forces you to close temporarily.
Contact Us
Contact ISE Insurance Services in Tracy, CA, to learn about your auto repair shop insurance options and get a personalized quote.