Protect your business and meet your legal requirements

Your automotive repair shop keeps Texas on the road! Unfortunately, one surprise expense (a customer who claims you installed faulty brakes or an employee who gets burned by hot engine parts) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This guide breaks down:

Texas's required coverages
The most recommended protections
Typical costs of automotive repair business insurance in Texas
How to save money with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy under the hood!)

Automotive repair businesses in Texas face specific risks that require customized insurance coverage.
A Business Owner’s Policy for auto repair companies can save you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance covers injuries and damages caused by your business, as well as advertising-related claims.
Auto repair shop property insurance helps replace or repair damaged equipment, furnishings and more.
Garagekeepers insurance covers damages to your customers' vehicles while you're storing them at your shop.
Workers’ compensation for auto repair professionals is not required by Texas law but recommended if you have employees.
Commercial auto for auto repair companies helps you pay for damages caused by vehicles you use on the job.
Commercial umbrella insurance for auto repair businesses provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value.

FIVE BEST COVERAGES FOR TEXAS AUTOMOTIVE REPAIR COMPANIES:

Here are five essential coverages every auto repair professional should consider to stay protected and profitable:

1. Business Owner's Policy for automotive repair businesses

A business owner’s policy (BOP) is a smart starting point for auto repair shops. It bundles key coverages into one affordable package. Your BOP typically includes:

GENERAL LIABILITY FOR AUTO REPAIR BUSINESSES covers legal and medical costs if a customer or visitor is injured – or their property is damaged – while they're in your shop. It also protects you from advertising-related claims. Examples:

A visitor slips on oil or a loose screw in your space
A car in your shop gets damaged by hot equipment during a repair
Another repair business claims you stole their name or slogan

AUTO REPAIR SHOP PROPERTY INSURANCE helps you repair or replace your building, tools, lifts, diagnostic machines, and inventory if disaster strikes – like fire, theft, or vandalism. Examples:

Storm damage ruins your electrical tools or rusts out manual tools
A break-in results in stolen equipment and parts

BUSINESS INTERRUPTION INSURANCE replaces lost income if you need to temporarily close due to covered property damage.

Texas automotive repair companies typically pay from $500 to $1,200 a year for general liability. You may be able to save more by bundling it in a Business Owner's Policy. Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Garagekeepers Insurance

This specialized coverage protects customer vehicles while they are in your care, custody, or control. Examples:

A customer’s car is stolen from your lot
A fire damages vehicles stored overnight in your garage

3. Workers' compensation for auto repair business (not required but recommended)

Texas doesn't require most businesses to carry workers’ comp. But if you opt out, you may face lawsuits from injured employees. Carrying workers’ comp provides medical care and replaces lost wages for staff injuries and shields you from most employee lawsuits.. Examples:

A mechanic suffers burns from hot engine parts
An employee injures their back lifting heavy tires

4. Commercial auto for automotive repair companies (required in Texas)

If you use company-owned or personal vehicles on the job, Texas requires you to cover them with commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

5. Commercial umbrella insurance for auto repair companies

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies such as your general liability and commercial auto reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR TEXAS AUTO REPAIR COMPANIES

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Texas – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your Texas auto repair shop
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

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Texas auto repair business insurance FAQs

What automotive repair insurance is required in Texas?

If you use vehicles on the job, Texas requires you to carry COMMERCIAL AUTO. Texas doesn't require you to carry WORKERS' COMPENSATION but it's highly recommended to cover the costs of employee injuries and avoid expensive lawsuits. Texas also doesn't require you to carry GENERAL LIABILITY, but many of your contracts with landlords, partners, and vendors will.

What specific risks do I have in my industry?

Customers let you drive their vehicles or keep them in your shop – where they may get damaged. Your physical space and the valuable equipment you depend upon are vulnerable to damage from fire or weather. Employees may be harmed while working on cars.

How do I get a Certificate of Insurance (COI)?

A CERTIFICATE OF INSURANCE provides proof to your clients that they can do business with you and not be on the hook financially if something goes wrong. Once Mylo has helped you purchase a policy, you can request a free certificate of insurance (COI) directly from your new carrier. Contact information for your insurance carrier will be included in the email your Mylo agent sends out with your policy documents.

What's the typical cost of auto repair business insurance in Texas?

Typically, an auto repair shop in Texas pays between $500 to 1,200 a year for GENERAL LIABILITY. A Mylo agent can help with estimates on other insurance products.

What are some ways I can save money on insurance?

You may be able to bundle your most essential coverages (GENERAL LIABILITY, PROPERTY and BUSINESS INTERRUPTION) in a money-saving BUSINESS OWNER'S POLICY. In addition, Mylo makes it easy to compare the best quotes from multiple top-rated carriers so you can find the right coverage at the best value.

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