Auto Service Shops Insurance in Louisiana
Protecting Louisiana's auto repair shops and mechanics with specialized coverage that understands garage operations, customer vehicle risks, and the unique exposures of automotive service.
We serve auto service shops businesses across Louisiana, from New Orleans to Shreveport and everywhere in between.
Top Risks Auto Service Shops Businesses Face in Louisiana
Auto Service Shops businesses in Louisiana face unique challenges that require specialized insurance protection. Understanding these risks is the first step toward comprehensive coverage that protects your business, employees, and livelihood.
Damage to customer vehicles while in your care, custody, or control
Customer injuries from slips, falls, or accidents in your shop
Fire or explosion risks from fuel, chemicals, and welding operations
Theft of customer vehicles, tools, or expensive diagnostic equipment
Workplace injuries from heavy equipment, lifts, and automotive tools
Business interruption when shop damage forces temporary closure
Coverage Designed for Auto Service Shops
The right insurance coverage addresses the specific risks your auto service shops business faces. Here's how each recommended coverage protects you from the challenges unique to your industry.
Specialized coverage for auto service shops that protects against damage to customer vehicles while in your care, as well as liability from shop operations.
Covers your shop building, lifts, diagnostic equipment, tools, and inventory from fire, theft, storms, and other perils that could shut down operations.
Protects against customer injuries, property damage, and liability claims from shop operations, customer visits, and non-vehicle incidents.
Covers shop vehicles, test drive vehicles, and tow trucks used for business purposes, including liability and physical damage protection.
Required in Louisiana and protects mechanics and shop staff from workplace injuries while protecting you from costly injury lawsuits.
How Watley Insurance Group Supports Auto Service Shops
As a Louisiana-based commercial insurance agency, we understand the unique challenges auto service shops businesses face in our state. We're not just insurance agents—we're your partners in protecting what you've built.
We Learn How Your Auto Service Shops Operation Works
Before recommending coverage, we take time to understand your specific operations, risks, and goals. This deep understanding ensures your policy addresses your actual exposures, not just generic industry risks.
We Shop Multiple Carriers Who Understand Your Industry
We work with insurance carriers that specialize in auto service shops coverage. By comparing multiple options, we find you the best combination of coverage and price from carriers who understand your industry's unique needs.
We Help You Manage Certificates, Changes, and Claims
Your relationship with us doesn't end at the sale. We help with certificates of insurance, policy changes, claims support, and ongoing risk management. When you need help, you'll talk to someone who knows your business.
Real-World Situations Where Coverage Matters
These scenarios illustrate how the right insurance coverage protects auto service shops businesses when unexpected events occur.
Customer Vehicle Damaged During Service
A mechanic accidentally caused a fire while working on a customer's vehicle, resulting in extensive damage. Garage Liability coverage handled the claim, covering repair costs and protecting the shop from having to pay out of pocket for the damaged vehicle.
Shop Fire Destroys Equipment and Forces Closure
A fire in a Lafayette auto shop destroyed lifts, diagnostic equipment, and tools, forcing a three-month closure. Commercial Property coverage replaced equipment and covered building repairs, while Business Interruption coverage helped with lost revenue during recovery.
Mechanic Injury from Heavy Equipment
A mechanic was injured when a vehicle fell from a lift, requiring surgery and months of recovery. Workers' Compensation covered medical expenses and wage replacement, protecting both the employee and the shop from financial hardship.
Auto Service Shops Insurance FAQs
What is Garage Liability and why do auto shops need it?
Garage Liability is specialized coverage for auto service shops that protects against damage to customer vehicles while in your care, custody, or control. Standard General Liability typically excludes customer vehicle damage, making Garage Liability essential for repair shops.
Does Commercial Property insurance cover customer vehicles?
No, Commercial Property typically covers your shop, equipment, and tools, but not customer vehicles. Garage Liability covers damage to customer vehicles while in your care. It's important to have both coverages for comprehensive protection.
What happens if a customer is injured in my shop?
General Liability coverage protects against customer injuries from slips, falls, or accidents in your shop. This coverage is essential for auto service businesses where customers visit and where shop operations create injury risks.
Is Workers' Compensation required for auto shop employees?
Yes, Louisiana requires Workers' Compensation for most businesses with employees. For auto shops, this is critical given the high risk of workplace injuries from heavy equipment, lifts, tools, and vehicles. It protects both employees and your business.
How does Commercial Auto insurance help auto shops?
Commercial Auto covers shop vehicles, test drive vehicles, and tow trucks used for business purposes. Personal auto policies exclude commercial use, and Commercial Auto provides the specialized coverage and higher limits auto shops need.
Get Coverage for Your Auto Service Shops Business
Tell us a little about your operation and a Louisiana-based agent from Watley Insurance Group will follow up with options tailored to your industry.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445