Looking for Auto Services Insurance?
Semper Insurance keeps your shop and your customers’ vehicles protected.
Repair shops, body shops, dealerships, tire shops, car washes and gas stations all share one unusual exposure: you are responsible for vehicles you don’t own. A general liability policy alone won’t cover a customer’s car damaged while it sits in your bay or on your lot.
Add lifts, paint booths, fuel tanks and waste oil, and the risks go well beyond an ordinary storefront. The right program usually combines garage keepers, general liability, workers’ compensation and environmental coverage built around how your operation actually runs.
Semper Insurance works with auto service businesses every day. We’ll review your operation, explain where the gaps are and shop the market to put the right protection in place.
Recommended Insurance Products for Auto Service Businesses
Types of Auto Service Businesses We Serve
Common questions about Auto services
Answering the most frequently asked questions about Auto services.
No. General liability specifically excludes property in your care, custody or control, which is exactly what a customer’s vehicle is once it’s on your lot. That gap is what garage keepers coverage fills, and it’s the single most common uninsured loss in this trade.
Garage liability covers injury and damage arising from your operations. Garage keepers covers damage to customers’ vehicles in your possession. Most shops need both, and having one does not imply you have the other. Ask us to confirm which forms are actually on your policy.
Usually yes. Waste oil, antifreeze, solvents and refrigerant all count as pollutants, and standard general liability excludes pollution regardless of how routine the work is. Shops are most often surprised by this after a disposal or storage issue, not a dramatic spill.
It depends on which form applies and who was driving. Test drives usually fall under your auto coverage rather than garage keepers, and coverage can differ between an employee and a customer at the wheel. This is worth confirming in writing before an incident, not after.
Very likely. New York applies its own test for employment status, and misclassifying mechanics is one of the most common findings in a workers’ compensation audit. Getting this wrong can mean back premium, penalties, and an uninsured injury claim at the same time.
Reviews from Semper Insurance clients
- I cannot say enough about how incredible working with Adam with Sempee Insurance was.
As a small business owner and vendor, insurance is a critical protection. When one of our biggest … Read more events of the year increased their liability requirements, we struggled to find anyone willing to work with us because of our business size. We were ghosted by more than a dozen other agencies and brokers over the course of 2 months. We were convinced we'd have to back out of the event altogether.
Adam was a literal hero for us! He was able to find a policy for us that met all insurance requirements for the event that didn't completely break the bank, and he found it fast. Adam was prompt, attentive, respectful, and maintained excellent communication with us throughout the entire process. He is incredibly kind and was very empathetic to our situation as a small business.
I highly recommend Adam with Semper Insurance for all of your business, vendor, and event insurance needs! - We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package … Read more that met our unique needs. He's shown himself to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
- Adam is an excellent insurance broker. I called him frantic looking for a last minute commercial insurance. I gave him the details of the specific coverage I needed. He was able to … Read more communicate with me throughout the day just giving me updates with different insurance options and when I told him I found an option he even went the extra mile to price match the other company without compromising the coverage. I had the true experience of professional genuine custom care and would highly recommend to anyone.
- We had an incredible experience working with Semper Insurance, and it's all thanks to Adam. We were connected with him through another insurance company, and it honestly couldn't … Read more have been a better outcome. Adam went above and beyond to help us secure the right insurance policy for our nonprofit organization and he did it within a very tight deadline.
He was responsive and professional and took the extra step of working directly with all the necessary parties to ensure the policy language met our specific needs. It's rare to come across someone genuinely caring about providing top-notch service, but Adam truly delivered. Rest assured that if your needs are not met, he will proactively do all he can in his power to meet them.
Saying he provides good service is an understatement—he was outstanding. We’re incredibly grateful and highly recommend Semper Insurance!
