Kinro

Built for U.S. small businesses

Business insurance for auto repair and body shops.

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

What insurance can help protect

Customer vehicle damage

A vehicle is damaged by fire, theft, collision, weather, vandalism, or work while in your care.

Repair allegations

A customer alleges that faulty repair, parts, paint, or service caused later damage or injury.

Shop injuries

A customer or employee is injured around lifts, tools, vehicles, paint, welding, or shop equipment.

Coverage to consider

General Liability

Can address covered customer injury and non-auto property damage.

Garage Liability

Can address covered liability arising from repair and vehicle operations.

Garagekeepers Liability

Can protect customer vehicles in the shop’s care, custody, or control, subject to the selected form.

Workers Compensation

Addresses eligible employee injuries involving technicians and shop staff.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

auto repair shops questions?We have answers.

What insurance should auto repair and body shops consider?
General Liability is often a starting point, with Garage Liability, Garagekeepers Liability, Workers Compensation considered based on services, property, employees, contracts, and state rules. Coverage and eligibility vary by carrier.
What risks should auto repair shops plan for?
customer vehicle damage, repair allegations, shop injuries are important insurance discussions for this operation. A vehicle is damaged by fire, theft, collision, weather, vandalism, or work while in your care. A customer alleges that faulty repair, parts, paint, or service caused later damage or injury. A customer or employee is injured around lifts, tools, vehicles, paint, welding, or shop equipment. Whether a policy responds depends on its terms, conditions, and exclusions.
What details affect insurance options for auto repair shops?
Carriers commonly ask about the operation in detail. Do you perform mechanical repair, body work, paint, towing, tires, glass, detailing, or restoration? How many customer vehicles can be in your care, and what is the highest individual value? What are your receipts, payroll, technician count, test drives, tools, building values, and loss history? The answers can affect eligibility, available limits, coverage terms, and price.
Can Kinro review insurance for auto repair shops?
Yes. Share the current policy, quote, contract, or certificate request. Kinro can help compare General Liability, Garage Liability, Garagekeepers Liability, Workers Compensation, requested limits, important exclusions, and follow-up questions for the operation.
Is there any obligation to buy?
No. Starting a request does not require you to purchase a policy.

What insurance should auto repair and body shops consider?

auto repair and body shops commonly review General Liability, Garage Liability, Garagekeepers Liability, Workers Compensation. The right combination depends on the work performed, customers, employees, property, equipment, contracts, and state requirements.

  • Do you perform mechanical repair, body work, paint, towing, tires, glass, detailing, or restoration?
  • How many customer vehicles can be in your care, and what is the highest individual value?
  • What are your receipts, payroll, technician count, test drives, tools, building values, and loss history?

Related business insurance guides

Compare guidance for businesses with related work, equipment, customers, or contract requirements.