Loomis Family Insurance · Troy, NY
Auto Repair Shop Insurance
Protection for your shop, your team, and your customers' cars.
Serving Albany, Troy, Schenectady, Saratoga, and the surrounding Capital District.
Who it's for
Independent repair shops, service centers, body shops, and tire and lube businesses across the Capital District. If customers leave their cars with you, your coverage needs to go beyond a standard business policy.
What it can cover
- ✓Garage Liability: injuries or property damage tied to your shop's operations
- ✓Garagekeepers Coverage: damage to customers' vehicles while they're in your care, including fire, theft, and vandalism
- ✓Property & Equipment: your building, lifts, diagnostic equipment, and tools
- ✓Workers' Compensation, Disability (DBL), and Paid Family Leave, as required for NY employers
- ✓Commercial Auto: tow trucks, service vehicles, and loaner cars
- ✓Umbrella: extra liability protection above your other policies
Coverage, benefits, and eligibility vary by policy and carrier.
Good to know
Doesn't my general liability cover customers' cars?
Usually not. Damage to vehicles in your care typically needs garagekeepers coverage.
Are my employees' personal tools covered?
It depends on the policy, and it's worth asking about.
Let's review your business coverage.
Call us and we'll be glad to help you.
