Automotive Services, Garages & Mechanic Shops
Repair and service shops, body shops, tire and quick-lube operations, towing and specialty automotive businesses.
Understanding the risk
Garage operations hold customer vehicles, operate lifts and hazardous materials, and road-test vehicles they do not own.
Coverage gaps often sit between garage liability, garagekeepers coverage and the business's own auto exposure.
Who we work with
- General repair shops
- Collision and body shops
- Tire and quick-lube centers
- Towing and recovery
Insurance solutions
Coverages frequently involved in these programs. Structure depends on the operation.
- Garage liability
- Garagekeepers
- Property and tools
- Commercial auto
- Workers' compensation
- Pollution liability
- Umbrella and excess
Risk management
Beyond placement.
- Customer vehicle custody
- Key control, storage, security and road-test procedures reviewed against garagekeepers terms.
- Shop safety
- Lift inspection, hazardous materials handling and housekeeping documented for underwriters.
- Faulty workmanship exposure
- Work orders, sign-offs and warranty practices evaluated alongside liability coverage.
Claims & loss control
Claims Management & Advocacy- Damage to customer vehicles is the most common claim; documentation at intake makes a meaningful difference.
- Fire and theft losses test valuation of tools, equipment and vehicles in care.
The Duncan Approach
The same discipline, applied to automotive services, garages & mechanic shops.
- 01
Understand
RiskDiagnostic
- 02
Map
Risk Mapping
- 03
Improve
RiskGuard
- 04
Position
Underwriting & Premium Negotiation Strategy
- 05
Transfer
Marketplace Execution
- 06
Manage
Ongoing Risk Management
Where we focus within this practice reflects what tends to matter most to the market and to the operation itself.
- Customer vehicle custody
- Key control, storage, security and road-test procedures reviewed against garagekeepers terms.
- Shop safety
- Lift inspection, hazardous materials handling and housekeeping documented for underwriters.
- Faulty workmanship exposure
- Work orders, sign-offs and warranty practices evaluated alongside liability coverage.
The Duncan Difference
Related RiskThoughts
Industry intelligence covering automotive services, garages & mechanic shops is in preparation. RiskThoughts is our research and market-intelligence publication.
Visit RiskThoughtsOther practices
- Agribusiness, Farm & Ranch
- Animal Health & Veterinary Clinics
- Aviation, Airports & Hangars
- Churches & Religious Organizations
- Construction & Surety
- Dealers, Distributors & Manufacturers
- Emergency Services & Public Safety
- Energy (Renewable & Non-Renewable)
- Equine & Equibusiness
- Financial & Professional Services
- Food, Beverage & Retail
- Guides & Outfitters
- Healthcare, Senior Care & Human Services
- Non-Profits & Affinity Groups
- Propane, Fuels, Chemicals & Lubricants
- Public Sector, Municipal & Education
- Real Estate & Hospitality
- Stock Show, Fair & Rodeo
- Technology, Media, Entertainment & Telecom
- Transportation
- Waste, Water, Recycling & Environmental
- Wineries, Vineyards, Breweries & Distilleries
Speak with a risk advisor.
Tell us about your organization, your current insurance program and what prompted you to take another look.