Michigan Auto Repair Business Insurance
Whether you’re doing full restorations, detailing, collision repair, or just oil changes, owning an auto repair business comes with serious responsibility—and serious risk. Having the right insurance in place helps protect your business, your employees, and your customers if something goes wrong.
Cover Your Business from Bumper to Bumper
Running an auto shop means managing tools, vehicles, and people all in one space. Accidents, theft, injuries, and property damage can happen, and being underinsured is a mistake you don’t want to make.
What’s Recommended?
Workers’ Compensation Insurance
In Michigan, workers’ comp is required—even if you only have one employee. And in an industry with heavy machinery and high-risk tasks, it’s a must-have. Workers’ compensation helps cover medical costs and lost wages if an employee is injured on the job.
General Liability Insurance
This protects your business if a customer’s vehicle is damaged or stolen while in your care. Whether you have a multi-bay facility or a mobile windshield service, this coverage can protect against claims of property damage, bodily injury, and more. It’s also important if you or your employees test-drive vehicles.
Commercial Auto Insurance
If your business owns or leases vehicles, personal auto insurance won’t cut it. Commercial auto insurance provides coverage for business use—including transporting tools or employees. It covers liability, collision, and medical payments related to business operations.
Garage Keepers Insurance
Garage liability protects your business. Garage keepers insurance protects your customers’ cars while they’re in your care. This policy covers damages caused by fire, weather events, vandalism, or collisions while the car is parked or being worked on. Optional coverage for personal property left inside the vehicle is also available.
Other Auto Repair Insurance to Consider
Depending on the services you offer and the risks you face, your business may also benefit from:
Business Owners Policy (BOP)
Commercial Property Insurance
Crime Insurance
Disability Insurance
Specialty Liability Policies
Protect Your Business with Melton McFadden
A single accident, theft, or lawsuit can derail your business. With the right policies in place, you can focus on running your shop without second-guessing every “what if.”
Let’s build a policy that keeps your business protected and moving forward.