- Home
- Industries
- Auto Service & Repair
Auto service and repair shop insurance in Spokane
Garagekeepers, on-hook liability and the customer vehicles sitting in your lot overnight.
Garagekeepers is not general liability
Customer vehicles in your care are specifically excluded from general liability — that is the care, custody and control exclusion. Garagekeepers coverage is the endorsement that puts them back in, and the limit needs to reflect the total value of cars on your lot on a busy night, not an average day.
Test drives and shuttles
A technician on a test drive, or a courtesy shuttle run, is business use of a vehicle. Commercial auto with the right symbols is what covers it; a personal policy will not.
Pollution and fluids
Waste oil, solvents and refrigerants carry environmental exposure that standard forms exclude. Limited pollution endorsements are available and are worth having if you store meaningful quantities on site.
Biggest exposures in this class
- Damage to customer vehicles in your care, custody or control
- Test-drive and shuttle collisions
- Lift, hoist and equipment accidents
- Fire and pollution exposure from fluids and chemicals
Usually written together
Coverage this class normally needs
General Liability
The baseline policy. Covers injuries to other people and damage to their property arising out of your business.
Read moreCommercial Auto
Coverage for the vehicles your business owns, leases, rents or asks employees to drive.
Read moreWorkers' Compensation
Required in Washington for nearly every employer. Covers medical care and lost wages when someone gets hurt on the job.
Read moreCommercial Property
Covers your building, equipment, inventory and improvements against fire, theft, water and storm damage.
Read moreStart with your trade. We will take it from there.
Tell us what the business does and we will pre-select the coverage it normally needs, then compare carriers for you. About two minutes, no obligation.
Prefer to talk it through? Call (509) 944-0847.