Commercial / Garage

Michigan Garage & Auto Repair Insurance

When customers' vehicles are in your care, a standard business policy won't cover them. Michigan garage insurance combines garagekeepers, garage liability, and commercial auto so a fire, theft, or test-drive accident doesn't come out of your pocket.

What we do for garage & auto repair insurance clients

• Garagekeepers coverage — covers customer vehicles in your care, custody, and control — the core exposure standard policies leave out.
• Garage liability — premises and operations liability for the shop floor and the work you do.
• Coverage for your operation — body shops, mechanical repair, tire and lube, towing, and dealerships each get the right form.
• Multi-carrier shopping — we shop garage markets for the right mix of price and protection.

Operations we cover

Auto repair and mechanical shops, body and collision shops, tire and quick-lube shops, towing and recovery operators, used-car and franchised dealers, and detailers across Michigan.

What garage insurance covers

• Garagekeepers — customer vehicles in your care against fire, theft, and damage.
• Garage liability — third-party injury and property damage from operations.
• Commercial auto — your service trucks, loaners, and tow vehicles.
• Property and tools — your building, equipment, and shop tools.
• Faulty work / completed operations — claims tied to repairs after the car leaves.

Common questions

What is garagekeepers insurance?

It covers customers' vehicles while they're in your care, custody, and control — parked on your lot, in the shop, or on a test drive. A standard general liability or property policy won't pay for damage to a vehicle you don't own; garagekeepers is built for exactly that.

What insurance does an auto repair shop need in Michigan?

Typically garage liability, garagekeepers, commercial auto for service and tow vehicles, and property coverage for your building, equipment, and tools. Body shops and dealers add specific coverages. We assemble the right package for your operation.

Does garage insurance cover test drives?

Yes — garagekeepers and garage liability respond to incidents during legitimate test drives and while moving customer vehicles, subject to your policy terms. It's one of the gaps that makes garage-specific coverage essential.

How much does garage insurance cost in Michigan?

It depends on your services, payroll, location, and the value of vehicles in your care. Towing and dealerships are rated differently than a small repair shop. We shop multiple garage markets to find your best rate.