Repair shop coverage guide
General liability for auto repair shops
Updated 2026-06-11 · by Brokly
If a customer is hurt in your waiting area — or a repair you finished fails later and causes harm.
Coverage
What it covers for auto repair shops
Covers the shop's legal liability for bodily injury and property damage to third parties — a customer hurt in the waiting area, or a finished repair that later fails and causes injury or damage (completed operations). For auto trades this is often written as garage liability. Customers are physically on premises all day, and repair work on brakes, steering, and tires creates completed-operations exposure after the vehicle leaves.
Sources: Oregon DAS Risk Management — Insurance Clauses: Garage Insurance (retrieved 2026-06-06) · California Department of Insurance — Commercial Insurance Guide (CGL sections) (retrieved 2026-06-06)
By state
General liability 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 →