What coverages do I need for my Atlanta auto shop insurance?

Atlanta auto shop insurance

If you run an auto shop in Atlanta, your days are pretty packed. There are cars coming in, cars being repaired, cars getting collected by their grateful owners. But in all the hustle and bustle of the day-to-day of running an auto shop, it’s also important to consider how your shop is protected. Meaning Atlanta auto shop insurance. Insurance can feel complicated and overwhelming, and you might be wondering what coverages you need to consider for your business. There are plenty of risks that you face, and you need to protect yourself from them. We’re going to break down a few of the coverages you can consider.

What coverages do you need as part of your Atlanta auto shop insurance plan?

It’s important to note that while these are some of the coverages you can consider for your business, they’re not the only coverages that could come in handy for your Atlanta auto shop. However, this is a breakdown of some of the coverages you should know about.

General liability:

General liability can help you if there’s a claim of bodily injury or property damage from a guest. It can help you cover the injured party’s medical bills – and your legal expenses if they decide to sue you. For example, let’s say that one of your customers is coming to drop off their car. They go into your lobby, but they trip over something and take a bad fall, breaking their arm and smashing their nose. Your general liability could help cover their medical expenses – and the legal expenses of the ensuing lawsuit.

Workers’ compensation:

Auto shops aren’t necessarily the safest of places. Workers’ comp can help if one of your employees gets hurt on the job by paying for their medical bills and giving them a portion of their lost wages. To give an example, let’s say that one of your employees is in the back, working on a car, when they slip and fall. They hit their head badly and need stitches, so they need some time off work. Oh, and they sprained a wrist pretty badly. Anyways – workers’ comp could help by covering those medical bills and giving that employee some of the wages they lost while unable to work due to the injury.


Property insurance can help protect the physical structure of the shop itself against losses like fire. Since there are a lot of flammable things in your auto shop, this is definitely a coverage to consider. Let’s say that you close up the shop for the night, and overnight a fire starts, burning the shop to the ground. It’s the stuff of nightmares, but your property insurance could help you recover from the loss.


Garagekeepers insurance is another important coverage to consider because it can help protect the cars in your care, custody, and control. Since you hold on to your clients’ cars so you can repair them, this coverage is crucial. It can protect against losses like fire, theft, and vandalism. If you had a fire while you were also storing a bunch of cars for repair, your garagekeepers coverage could help you when it comes to recovering from the loss of the clients’ cars.


Umbrella insurance sits on top of your underlying liability policy and provides coverage above and beyond what the underlying policy offers. To illustrate, let’s say that you have a general liability policy with a limit of $1 million. You also have a $1 million umbrella policy. But then you have a $1.75 million general liability claim (it was a very big claim.) Your general liability kicks in to cover its $1 million, but then your umbrella could take over and cover the remaining $750,000.

Some other coverages you can consider as part of your Atlanta auto shop insurance plan:

Like we said, the above coverages aren’t the only ones that you can get to protect your business from risk. Here are some others:

  • Business interruption
  • Employment practices liability
  • Hired and non-owned auto liability
  • Cyber insurance
  • Employee dishonesty
  • Environmental impairment
  • And many, many more!

How to get Atlanta auto shop insurance.

The next question is how to go about getting Atlanta auto shop insurance. Well, we can help. Our team does our best to make the insurance process as easy as possible. Here’s how it works:

  • You reach out and let us know you’re looking for auto shop insurance. You can fill out our online form, give us a call, or message us.
  • One of our agents chats with you to ask some questions about your business. We need to collect some intel about your business so we can get you the right coverage and get you the best quotes.
  • We get your quotes. We work with a lot of insurance carriers, so we’ll bring you some quotes.
  • We go over your options with you and help you finalize your coverage.
  • We’re here to answer any questions you have or address any concerns you might have about your insurance.

See? Easy. We’re here to help you with your insurance coverage. We know that the world of business insurance is overwhelming, but you don’t have to go it alone.

Get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat.