Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
Madisyn Massucci
Jennifer has been nothing but helpful and cooperative during our correspondence.
Madisyn Massucci
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow

How Much Does Auto Repair Shop Insurance Cost?

Auto Repair Insurance

How Much Does Auto Repair Shop Insurance Cost?

As an auto repair shop owner, you know the importance of having insurance to protect your business. But how much does it actually cost? In this article, we’ll break down the factors that affect the cost of your insurance.

Understanding Auto Repair Shop Insurance

Before we dive into the cost, let’s first understand what repair shop insurance covers. This type of insurance is designed to protect your business from financial losses due to accidents, injuries, or property damage. It typically includes coverage for:

  • General liability: This covers third-party bodily injury or property damage that occurs on your premises or as a result of your business operations.
  • Commercial property: This covers damage to your building, equipment, and inventory.
  • Business interruption: This covers lost income and expenses if your business is unable to operate due to a covered event.
  • Workers’ compensation: This covers medical expenses and lost wages for employees who are injured on the job.
  • Garage liability: This covers damage to customers’ vehicles while they are in your care, custody, or control.
  • Garagekeepers liability: This covers damage to customers’ vehicles while they are parked on your premises.

Factors That Affect the Cost of Auto Repair Shop Insurance

Now that we know what auto repair shop insurance covers, let’s look at the factors that can affect the cost.

Type of Business

The type of auto repair shop you own can impact the cost of insurance. For example, a small, independent shop may have lower insurance costs compared to a larger, franchised shop with multiple locations.


The location of your business can also affect the cost of insurance. If your shop is located in an area with a high crime rate or frequent natural disasters, you may pay more for insurance.

Coverage Limits

The amount of coverage you choose for each type of insurance can also impact the cost. Higher coverage limits mean higher premiums.

Claims History

If your business has a history of frequent claims, insurance companies may view you as a higher risk and charge higher premiums.

Number of Employees

The number of employees you have can also affect the cost of insurance. More employees mean a higher risk of accidents and injuries, which can lead to higher premiums.

Types of Services Offered

The types of services your auto repair shop offers can also impact the cost of insurance. For example, if you offer services such as body work or painting, you may pay more for insurance due to the increased risk of accidents or damage to customers’ vehicles.

Business Experience

Insurance companies may also consider the number of years your business has been in operation when determining the cost of insurance. A newer business may be viewed as a higher risk and charged higher premiums.

Tips for Reducing the Cost of Auto Repair Shop Insurance

While insurance is a necessary expense for your auto repair shop, there are some steps you can take to potentially lower the cost.

Independent Agents

Don’t settle for the first insurance quote you receive. Work with an Independent Insurance Agent like Harrison Insurance to shop for your best option.

Bundle Policies

Consider bundling your auto repair shop insurance with other types of business insurance, such as general liability or workers’ compensation. This can often lead to discounts and lower overall costs.

Implement Safety Measures

Insurance companies may offer discounts for businesses that have safety measures in place, such as security cameras, fire alarms, and safety training for employees.

Review Your Coverage Limits

While it’s important to have adequate coverage, you may be able to save money by reviewing your coverage limits and adjusting them if necessary.

Maintain a Good Claims History

As mentioned earlier, a history of frequent claims can lead to higher insurance premiums. By maintaining a good claims history, you may be able to negotiate lower rates with your insurance company.


The cost of auto repair shop insurance can vary greatly depending on several factors, including the type of business, location, coverage limits, claims history, number of employees, types of services offered, and business experience. By working with an Independent Insurance Agent, bundling policies, implementing safety measures, and maintaining a good claims history, you may be able to reduce the cost of insurance for your auto repair shop.