Auto Repair Shop Insurance in New Jersey
An auto repair shop's defining exposure is simple to state and easy to underinsure: you're responsible for customers' vehicles while they're in your care. Ordinary business policies don't address that — the trade needs garage liability and garagekeepers coverage built for it.
Garagekeepers is the coverage that matters
When a customer's car is damaged, stolen, or burned while at your shop, garagekeepers coverage responds — and it's the piece a generic business policy leaves out. How it's written (legal-liability vs. direct-primary) changes who's covered when, so it's worth structuring deliberately rather than defaulting.
Faulty repair and completed operations
A brake job that fails or a repair that causes later damage is a completed-operations and faulty-work exposure specific to the trade. Pairing that with garage liability and property coverage for the building, lifts, and diagnostic equipment gives a shop a complete program.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match auto repair shop insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.