What insurance does a auto repair business need? (2026)
Most auto repair operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for auto repair operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Automotive engine repair and replacement shops |
| Automotive fleet repair and maintenance services |
| Automotive repair and replacement shops, general |
| Car repair shops, general |
| Diesel engine repair shops, automotive |
| Engine repair and replacement shops, automotive |
| Garages, general automotive repair (except gasoline service stations) |
| General automotive repair shops |
| Mobile automotive and truck repair services |
| Recreational vehicle (RV) repair and maintenance services, general |
| Truck repair shops, general |