Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Who Insures Your Mechanic? | Auto Repair Garage Insurance

Published on September 23, 2019


garage wholesale insurance commercial lines auto shop Abram Interstate CA CMGA

Where do you take your car when you need a tune-up?

Unless you do all of your own car work, many people tend to find an auto repair garage they trust, and they continue to go there indefinitely for their car needs.

Many of these auto repair garages are small businesses, but even with that being the case, about a quarter of auto shops in the country make over $1,000,000 gross income each year according to marketing expert, Brandon Gaille. And no matter what they make, you have a natural “in” with small operations as an independent insurance agent. You know small businesses because you are part of one too – that’s credibility. Just like everyone wants recommendations for a “good auto shop” — small business owners are often looking to their friends and family for a recommendation for a “good insurance agent.”

Gaille’s statistics show that the highest number of employees in the auto industry are working in Automotive Repair and Maintenance in California. That’s good news for you:

Top 5 Sectors of Highest Employment

1. Automotive Repair and Maintenance – 224,150 employees
2. Automobile Dealers – 201,910 employees
3. Automotive Parts, Accessories, and Tire Stores – 59,670 employees
4. Local Government – 18,780 employees
5. Gasoline Stations – $18,720 employees

Top 5 States with Highest Employment Level

1. California – 54,700 jobs
2. Texas – 45,470 jobs
3. Florida – 37,000 jobs
4. New York – 35,090 jobs
5. Pennsylvania – 32,820 jobs

We can help you insure these Garage businesses.

Garage Insurance Highlights:


  • General Automotive Repair
  • Auto Body & Collision Repair
  • Retail Tire Stores – No Used Tire Sales
  • Oil & Lube Shops
  • Brake, Transmission and Muffler Shops
  • Auto Glass Repair/Installation
  • Vehicle Sound/Alarm System Installation

COVERAGES (Packages Available)

  • Garage and General Liability – Mechanics E&O – Employee Benefits Liability
  • Building and Business Personal Property – No Coinsurance Provision
  • Business Income and Extra Expense – Actual Loss Sustained
  • Equipment Breakdown Protection
  • Limited Discrimination Coverage Option
  • Crime – Employee Dishonesty, Forgery or Alteration, Money and Securities
  • Business Auto Liability and Physical Damage
  • Garage Keeper’s Liability (Direct or Legal Liability Basis) – Blanket Waiver of Subrogation available
  • Umbrella liability limits up to $5 million – $750 minimum premium
  • $25,000 Motor Vehicle Damage to Leased Buildings Available
  • Broad Form Products Coverage Available

Fill Out Your ACORDs 125, 126, & 140 HERE

Fill Out Your Garage Keepers Application HERE

Submit Completed ACORDS & App* to apps@abraminterstate.com

*If Garage Keepers Coverage is Needed: Completed Garage Keepers Application is required as well as ACORDs 125, 126, & 140.

If Garage Keepers Coverage is not needed: Submit completed ACORDs 125, 126, & 140.

 Abram Interstate Insurance Services, Inc., CMGA is a Certified Managing General Agent & Wholesaler with expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Quote Online Today.