Automotive & Vehicle Services Sector
Repair shops, body shops, dealers, tire and lube, detailers, tow operators, and parking. Ten coverage paths through the one exposure that defines this whole sector: somebody else's vehicle, in your care.
Every business here runs two risks at once — the premises, and the vehicles sitting on it that belong to customers.
The second one is where the claims come from.
A general liability policy does not cover a customer's car. That takes a Garage Package Policy, and the limit it needs depends entirely on how many vehicles you hold and for how long — which is why a detailer and a body shop are priced nothing alike.
Automotive Coverage
Coverage shaped to the specific claim your kind of shop actually faces.
Auto Dealerships
Franchise and independent lots — inventory, test drives, and F&I exposure in one place.
Explore coverageAuto Detailing
Fixed-site and mobile detailers taking custody of vehicles, often at a customer address.
Explore coverageAuto Paint & Body Shops
Collision, refinishing, and paint work — where booth fire and overspray drive the loss.
Explore coverageAuto Parts Stores
Retail and wholesale parts, with product liability and delivery-fleet exposure.
Explore coverageAuto Repair Shops
General repair, mechanics, and engine or transmission specialists working on customer vehicles.
Explore coverageOil Change & Quick Lube
High-volume quick-service bays, where a missed drain plug becomes an engine claim.
Explore coverageParking Lots & Garages
Lots, structures, and storage facilities holding customer vehicles unattended.
Explore coverageTire Shops
Sales, mounting, and balancing — the one automotive class where product liability is core.
Explore coverageTowing & Roadside Assistance
Tow operators and roadside services, where the vehicle on the hook is the exposure.
Explore coverageValet Parking Services
Off-site valet operations driving other people’s vehicles under contract.
Explore coverageHow we work
However you arrive at this page, the path from here is the same.
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Understand your risk
We start with how you actually operate — your assets, your people, and the exposures that come with them.
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Match it to the right carrier
We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.
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Stay with you
We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.