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Business owner's policy (BOP) for auto repair shops
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Property, liability, and lost income in one bundle.
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)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for business owner's policy (bop), by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the business owner's policy (bop) benchmark for auto repair shops — same URL, real numbers.
Until then, see what auto repair shops need state by state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Florida · Georgia · all states →
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