General liability for auto repair shops
Published 2026-06-05 · 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.
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)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability 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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Coverage rules change.
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