Auto Body Shop Insurance for California Repair Businesses
Between customer vehicles in your care, expensive equipment, and a shop full of flammable materials, auto body and repair shops carry risk most standard policies don't fully address. JJ Pro places coverage built for the realities of running a repair bay.
Built for repair bays, not generic small businesses
Auto body shops, mechanical repair garages, tire shops, and detail businesses across California — from single-bay operations to multi-location repair chains.
Coverage built for the realities of a repair shop
General Liability
Covers customer and visitor injuries, plus property damage claims on-site.
Garagekeepers Coverage
Protects customer vehicles left in your care against fire, theft, vandalism, and collision while on your lot or in your shop.
Property Coverage
Protects tools, lifts, and equipment against fire, theft, and vandalism.
Workers' Compensation
Required coverage for technicians and shop staff.
Commercial Auto
Covers tow trucks, courtesy vehicles, and other business-owned vehicles.
Auto body shop insurance FAQ
Does my general liability policy cover damage to customer vehicles?
No — that's what garagekeepers coverage is for. General liability covers third-party injury and property damage; garagekeepers coverage specifically protects vehicles left in your care, custody, or control.
Do I need commercial auto if I only use vehicles for parts runs?
Generally yes — any vehicle titled to the business or regularly used for business purposes typically needs commercial auto coverage rather than a personal policy.
What's typically excluded from garagekeepers coverage?
Pre-existing damage, wear and tear, and mechanical breakdown unrelated to a covered event are usually excluded — worth reviewing your policy's specific terms.
Protect the vehicles in your care.
We shop the market for garagekeepers and shop coverage that actually fits how you operate.
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