Repair shop coverage guide
Business owner's policy (BOP) for auto repair shops
Updated 2026-06-11 · by Brokly
Bundles your premises property, liability, and lost income into one policy for a small shop.
Coverage
What it covers for auto repair shops
A package policy bundling the shop's building/contents property coverage, general liability, and business-interruption coverage in one contract. It does not include commercial auto, workers' comp, or garagekeepers — those are added or written separately. A small independent shop can package its premises property and liability exposures efficiently — while the trade's signature exposures sit outside the BOP and must be covered alongside it.
Sources: California Department of Insurance — Commercial Insurance Guide (BOP) (retrieved 2026-06-06) · NAIC — Small Business Insurance (retrieved 2026-06-06)
By state
Business owner's policy (BOP) by state
What auto repair shops need varies by state. See the full guide for auto repair shops in your state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Florida · Georgia · all states →