Michigan Auto Repair Business Insurance
Whether you run a full-service body shop or specialize in oil changes, owning an auto repair business comes with risks. Fires, accidents, employee injuries, and damage to customers’ vehicles can leave you facing serious financial challenges—unless you have the right insurance. At Melton McFadden, we help Michigan auto repair shops secure the coverage they need to protect their employees, their tools, and the vehicles in their care.
Essential Coverage for Auto Repair Shops
Workers’ Compensation Insurance
This policy is legally required in Michigan, even if you have just one employee. It provides coverage for medical expenses and lost wages if an employee gets injured on the job—a critical safeguard in a high-risk environment filled with heavy machinery and hazardous materials.
General Liability Insurance
Auto repair shops often underestimate the risks associated with customer vehicles on the premises. General liability insurance helps protect your business if a vehicle is damaged, stolen, or involved in an accident while under your care. It’s a must-have for shops with multiple vehicles on site, as well as mobile repair professionals who perform off-site services like windshield replacements or diagnostics.
Commercial Auto Insurance
If you use business-owned vehicles for test drives, part deliveries, or service calls, a commercial auto policy offers protection beyond what a personal policy can provide. It covers liability, property damage, bodily injury, and third-party claims related to business vehicle use.
Garage Keepers Insurance
Extra Protection for Customer Vehicles
Garage keepers insurance adds another layer of protection for vehicles stored or worked on at your facility. It covers damage caused by:
Fire
Severe weather
Theft or vandalism
Collisions
You can also choose to extend coverage for personal items left inside customer vehicles—an optional but reputation-saving benefit.
Other Insurance Options to Consider
Business Owners Policy (BOP)
Property Insurance
Crime Insurance
Disability Insurance
Specialty Liability Insurance
Our team can help you mix and match policies to create a comprehensive plan tailored to your business model and budget.
Ready to get started or have questions about what you need?
Don’t wait until something goes wrong. Contact Melton McFadden today to get a quote tailored to your Michigan auto repair business—and ask us how we can help protect your life, health, and everything else that matters.