Get Your Free Auto and Truck Repair Shop Quote
Repair-shop operators run a different risk profile than the customers whose cars sit in their bays. Garage liability, garagekeepers legal liability, tools-and-equipment coverage, and lift-and-hoist exposure all stack on top of the building and stock — and a customer's vehicle in your care falls under a separate definition than your own service trucks. Florida First Insurance writes the full stack for auto and truck repair facilities statewide.
Most markets in this segment ask whether the shop performs welding or paint work, runs a tow operation, subleases bays, or services heavy commercial units. We package general liability, garagekeepers on direct-primary or excess basis, business auto for plate-and-go service trucks, workers compensation under NCCI class code 8380, and employee-dishonesty coverage where the shop handles customer payments or stores keys overnight.
Shop coverage binds in Miami-Dade, Broward, and Palm Beach on the Atlantic; Collier and Lee on the Gulf; Sarasota, Manatee, Hillsborough, Pinellas, Pasco, and Polk through the Tampa Bay and I-4 corridors; Orange and Seminole in the metro Orlando ring; Brevard and Volusia along the Space Coast; Alachua, Marion, and Duval through North Central and Northeast Florida; and Leon and Escambia in the Panhandle.
Repair-shop quotes go out to operators in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.
What Does Auto Repair Shop & Mechanic Shop Insurance Cover?
- Garage Liability — Covers bodily injury and property damage arising from your shop operations, including test drives and customer vehicles.
- Garagekeepers Coverage — Covers damage to customer vehicles while in your care, custody, or control for service or storage.
- Commercial Property — Covers your building, lifts, tools, diagnostic equipment, and parts inventory from fire, theft, and weather.
- Workers' Compensation — Covers employee injuries common in repair shops: burns, cuts, back strain, and chemical exposure.