Auto Repair Shop Insurance for Florida Service Operations

Frequently Asked Questions

• What does auto repair shop insurance cover?
  Auto repair shop insurance can cover garage liability, customer vehicles in the shop's care, business property, tools, employee injuries, shop-owned vehicles, business income, and related liability exposures. The exact coverage depends on services performed, road testing, overnight storage, employee count, and whether the shop also sells or tows vehicles. Garagekeepers is especially important when customer cars are stored or moved by the shop.
• Who needs auto repair shop insurance?
  Repair shops, tire shops, oil-change shops, brake shops, transmission shops, body shops, detail shops, mobile mechanics, and dealer reconditioning operations should review auto repair shop insurance. Any business that takes keys, moves customer vehicles, performs repairs, or stores autos overnight has garage exposures. Shops that also sell vehicles should review Florida dealer licensing rules.
• What does it not cover?
  Auto repair shop insurance does not automatically cover every poor workmanship complaint, redo job, warranty issue, intentional act, flood loss, employee injury, cyber event, or customer vehicle damage. Some exposures need separate policies or endorsements such as garagekeepers, workers' compensation, flood, cyber, pollution, or commercial auto.
• How is it priced?
  Pricing depends on services performed, sales, payroll, employee count, driver records, road-test practices, customer vehicle values, overnight storage, loss history, location, building details, security controls, limits, deductibles, and carrier appetite. A shop doing routine maintenance presents a different profile than a body shop with paint, welding, and outdoor storage.
• What information is needed for an Instant Quote?
  Ellie Insurance Group typically needs the business name, address, services performed, annual sales, payroll, employee count, driver list, current policy, loss runs, number of bays and lifts, customer vehicle counts, maximum vehicle value, overnight storage details, and security controls. If the shop owns vehicles, a vehicle schedule is needed. If the shop sells vehicles, dealer licensing and inventory details should be included.
• Can Ellie shop multiple carriers?
  Yes. Ellie Insurance Group works with 100+ carrier markets and can shop options on your behalf for garage liability, garagekeepers, property, workers' compensation, commercial auto, umbrella liability, and related policies. Carrier appetite varies by services performed, loss history, vehicle values, and safety controls.
• Is this coverage available in Florida?
  Yes. Ellie Insurance Group serves Florida auto repair shops from its Tampa and Brooksville presence. Florida shops should review weather exposure, customer vehicle storage, road-test practices, employee injuries, and possible dealer licensing issues if vehicles are bought, sold, offered, or displayed for sale.
• What related policies should be reviewed?
  Related policies include garage liability, garagekeepers, commercial property, business income, workers' compensation, commercial auto, umbrella liability, cyber liability, pollution coverage, inland marine, and employment practices liability. Shops with towing need on-hook and storage coverage review. Shops selling vehicles should also review dealer open lot and surety bond needs.