Dec 09 2025 20:54

Quotes Faster Than an Oil Change: E&S Coverage Built for Car Washes and Repair Pros

Auto Shop Coverage – General Liability & Property Coverage

 

When your insureds are moving cars through bays all day, they don’t have time to wait on slow insurance turnaround. Neither do you. That’s why we offer lightning-fast E&S coverage designed specifically for car washes, quick lubes, and repair shops—so you can quote and bind quickly, confidently, and with appetites that match real-world auto service risks.

 

Whether you’re working a single-location quick lube or a multi-site repair operation, our program delivers flexible General Liability and Property solutions with clear eligibility and strong limits.

 

Auto Shop Coverage That Fits the Way They Operate

 

These businesses have lots of exposures: customer vehicles on premises, busy lots, constant foot traffic, high-frequency service work, and tight turnaround schedules. Our E&S program is tailored to those realities—without unnecessary friction.

 

Maximum exposures include:
  • Up to $15,000,000 in annual sales
  • Up to $3,000,000 in payroll

 

General Liability Coverage Highlights

 

Our General Liability offering is built for everyday auto service exposures—from slip-and-falls to completed operations.

 

Coverage includes:
  • Premises & Operations:$1M or $2M Aggregate
  • Products & Completed Operations:$1M or $2M Aggregate
  • Personal & Advertising Injury:$1M Occurrence
  • Medical Payments:$5,000
  • Fire Damage to Premises Rented to You:$100K to $1M

 

Garage & Auto-Related Protections:
  • Garagekeeper’s Legal Liability: up to $300K per location / $100K per vehicle
  • Limited Non-Owned Auto:$1M
    • Specific to on-premises exposure for customer autos only
  • Hired Auto: not available

 

Property Coverage Highlights

 

Auto shops and car washes rely on equipment, buildings, and daily revenue flow. Our Property coverage helps protect the physical operation and the income behind it.

 

Coverage includes:
  • Building: Max TIV $5M per location
  • Business Personal Property
  • Business Income with Extra Expense
  • Tenant Improvements

 

Available Property Extensions include:

Accounts Receivable, Back-up Sewage, Door Damage, Employee Dishonesty, Money & Securities, Outdoor Property, and more.

 

Additional Coverages

 

Need to meet contract requirements or satisfy landlords? We’ve got you covered—without added cost.

 

Available at $0 premium:
  • Blanket Additional Insureds and Scheduled Additional Insureds
  • Primary & Noncontributory
  • Waiver of Subrogation

 

Designed For

 

We’re focused on auto service and wash operations that fit within the program appetite.

 

Eligible operations include:
  • Auto Glass Repair
  • Auto Parts Stores
  • Quick Lube Shops
  • Carwashes
  • Auto Body Shops
  • Light-Duty Auto Repair & Service Shops
  • Medium-Duty Auto Repair & Service Shops
  • Trailer Repair & Service Shops
  • Auto Upholstery Shops
  • New Tire Sales & Tire Service Shops

 

Ineligible operations include:
  • Antique Auto Restoration
  • Offroad Vehicle / Motorcycle Repair
  • Mobile Equipment Repair
  • Auto Dealers
  • Dismantlers
  • Manufacturers
  • Renters & Leasers
  • Custom Fabrication
  • Fuel Conversion
  • Gas Stations
  • Towing
  • Valet

 

We’re Here to Help You Move Faster

 

Have a specific risk or location in mind? Send it over.

 

The more detail you and your team can include with your submission— operations, exposures, and any unique services —the quicker we can deliver clean, confident quotes. If it fits the appetite, we’ll help you get it placed fast.