Auto Repair Shop Insurance in Massachusetts

Scotti Insurance Agency

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What is Auto Repair Shop Insurance?

Running an automotive repair business requires a substantial investment, and it’s important to protect that investment whenever possible. Auto repair shop insurance can help protect repair centers in Massachusetts from many of the significant risks they face.

Auto repair shop insurance is specialized commercial insurance for auto repair centers and similar businesses. In order to provide these businesses with the various protections they need, most auto repair shop policies come as package policies that have multiple coverages within them.

What Massachusetts Businesses Should Carry Auto Body Shop Insurance?

Most Massachusetts businesses that work on vehicles can benefit from having auto body shop insurance in place. Although the insurance is sometimes referred to as “auto repair shop” or “auto body shop” coverage, the two are generally identical because automotive repair business commonly have similar protection needs.

Some examples of businesses that may want auto body shop insurance include:

  • Independent automotive garages
  • Independent automotive mechanics
  • Body and collision repair centers
  • Specialty vehicle repair centers
  • Quick oil change centers
  • Motorcycle repair centers
  • Diesel mechanics and centers

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Additionally car dealerships frequently also need similar protections for their service centers. Whether a car dealership should purchase auto body shop insurance or another type of insurance (e.g. car dealer insurance), however, depends on what other projections are needed. A more robust policy that includes auto body shop coverage alongside other coverages is sometimes more appropriate for these more multifaceted businesses.

Any business that’s unsure whether auto body shop insurance or another insurance better suits the business’ needs can speak with an insurance agent who specializes in these policies. A knowledgeable agent will be able to review a business’ risk mitigation needs and recommend the right corresponding policy.

What Protections Are Available Through Auto Repair Shop Policies?

The exact protections that are available through auto repair shop policies can vary, but there are many protections that policies make widely available. Some of the more commonly offered protections that shops may want to look for are:

  • Commercial Property Coverage, which may cover a facility, equipment and tools kept on-site
  • Commercial Auto Coverage, which may cover tow trucks, loaner cars or other business vehicles
  • Crime Coverage, which may cover theft by employees or burglars
  • Business Interruption Coverage, which may cover revenue losses that follow certain incidents
  • General Liability Coverage, which may cover basic accidents that result in injuries to non-employees
  • Garage Keepers Liability Coverage, which may cover customer’s vehicles while they’re at a facility
Auto Repair Shop Insurance Massachusetts

How Are Auto Repair Shop Policies’ Rates Calculated?

Insurance companies look at many factors when calculating rates for auto repair shop policies. Some of the details that can impact how much a shop pays for coverage include the shop’s:

  • Location
  • Scope of repair work
  • Number of vehicles repaired
  • Past claims history
  • Chosen coverages, limits and deductibles

One of the best ways to find out how much insuring a particular auto repair shop will cost is by comparing policy options with an independent insurance agent. Unlike captive agents, independent agents don’t have a singular relationship with any one insurance company. They can pull quotes from many companies, which makes it easy to see what different insurers will charge in a given situation.

Auto Repair Shop Insurance massachusetts
Scotti Insurance

Where Can Auto Shops in Massachusetts Get Auto Repair Shop Insurance?

For help insuring an auto shop that’s located in Massachusetts, contact the team of independent insurance agents of Scotti Insurance Agency. We’ll work closely with you to identify your shop’s precise coverage needs, and then we’ll review auto repair shop insurance policy options to help you select the best available one.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890