Business insurance for auto service shops

Bolster your auto installation or mobile service shop with small business insurance.

Why you need Auto Service Shop Insurance

Auto glass gurus, AC technicians, detailers, car washes, car alarm installers and more can benefit from a well-oiled, affordable insurance plan. We can help shield you from:

  • On-premises injuries – Oil tracked into customer waiting areas is slippery as well as expensive. Auto Service Shop Insurance can help make sure customer injuries don’t bruise your business.
  • Test drive blunders – Accidents happen, sometimes when driving a client’s car. We can help with the clipped mailbox or dented fender that happened in a covered loss.
  • Theft – Products go missing, even with the best-laid prevention plans. Restore the stolen products with coverage from an Auto Service Shop Insurance policy.

What Auto Service Shop Insurance covers

We’ll start with a package of coverages that most mobile glass installers or detailers, or auto service shop owners need. Then we’ll help you customize it to fit your unique business. The result? An Auto Service Shop Insurance policy crafted for you and served up at a surprisingly great rate. Coverages offered include:

  • Property – Covers you in case a car crashes through your lobby window or damages a lift when driving in for service.
  • Liability – Shields you against slip and fall claims or lawsuits related to property damage that occurred when a customer’s vehicle was in your care.
  • Loss of Income – Protects you when your business operations are suspended due to a covered loss.
  • Equipment Breakdown – Protects your equipment, like your air compressor or impact gun, if it breaks down or is damaged by covered claims.
  • Employee Dishonesty – Insures you against dishonest employees walking out with cash, hub caps, or other inventory that does not belong to them.

Consider adding additional coverages

Depending on the type of auto service or mobile installation shop you own, the number of employees you have and other factors, what’s covered in your Auto Service Shop Insurance policy might not be enough.
A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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