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Comprehensive Auto Repair Shop Insurance in Arkansas

Protecting Your Auto Repair Business in Arkansas
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Multiple coverage options to choose from

Auto Repair Shop Insurance from Sargent Insurance Agency

Local drivers rely on your expertise to quickly get them back on the road. However, numerous incidents can disrupt your daily operations. Auto repair shop insurance can cover repairs or settlements for damages that might otherwise threaten your business.

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Business property
Commercial General Liability
Business Auto
Workers’ Compensation
Property of others

Business property insurance coverage

Risk Factors

It protects you if a fire, vandalism, smoke, theft, or other event damages your property.


It covers lost inventory, office equipment, computers, and more. Most business property policies also include business income coverage. This pays for rent, employee salaries, and other expenses if your shop must close temporarily due to an unforeseen disruption.

Commercial general liability coverage

Risk Factors

It protects most basic liability issues that a garage or auto repair shop could face.


It protects you from the costs of lawsuits related to accidents, property damage, and various other mishaps. In addition, you will likely want to consider garage liability insurance, which provides several forms of liability insurance more specifically designed for the needs of garage and auto body shop owners.

Business auto insurance coverage

Risk Factors

Auto repair shops need to cover any vehicles that their business owns.


This covers all your business auto like Towing vans, vans, etc. In addition, you need non-owned auto insurance if you have employees who drive their vehicles for business purposes.

Workers’ compensation insurance coverage

Risk Factors

Accidents happen, even in the safest workplaces. Auto repair shops are dangerous places, particularly for the employees who do the work.


Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

Property of others coverage

Risk Factors

An employee gets into a fender-bender while test-driving a customer vehicle he just serviced and damages their vehicle.


This coverage protects the business from associated liability. Depending on how the insurance policy is written, damage to your client’s vehicle is usually provided under the garage keepers portion of the policy.

Understanding Auto Repair Shop Insurance

Auto repair shop insurance protects against various liabilities common to garage owners and repair shops. These can include customer slip-and-fall incidents or damages resulting from faulty work. A single accident could result in a lawsuit that could severely impact your business, making comprehensive and accurate coverage essential.

Who Needs Auto Repair Shop Insurance?

Businesses with physical locations such as garages, parking lots, or storage areas for vehicle repairs or storage typically require garage insurance. This includes:

  • Automotive repair shops
  • Body shops
  • Tow or impound lots
  • Muffler shops
  • Transmission shops
  • Auto dealerships
  • Tire and battery repair facilities
  • And more

Risks Covered by Auto Repair Shop Insurance

Auto repair shops, car mechanics, and auto body shops are responsible for fixing vehicles and ensuring their safety while in their possession. Auto repair shops in Little Rock face several business risks, including:

  • Slips and falls
  • Worker illness or injury
  • Faulty workmanship or parts
  • Fire, adverse weather, vandalism, or theft
  • Vehicle damage sustained by clients while in your care
  • Employee theft or crime
  • Business interruption

It would help to have a comprehensive range of business insurance policies to protect your business from these hazards. Also, garage liability insurance and garage keepers insurance help protect your customers' property and your business in case of mishaps, injuries, or property damage.

Types of Auto Repair Shop Insurance Coverages

Since garages offer diverse services, working with an independent insurance agent is crucial to determine if you need specific specialty insurance products. Some essential insurance coverages include:

  • Business property insurance
  • Commercial General Liability (CGL) insurance
  • Business Owners Policy (BOP)
  • Employee theft and crime coverage
  • Business auto insurance

These specialized products combine relevant business insurance policies into one comprehensive package, which may include:

  • Tow Truck Insurance
  • Body Shop Insurance
  • Repair Shop Insurance
  • Muffler Shop Insurance
  • Radiator Services Insurance
  • Transmission Repair Insurance

To discover how Sargent Insurance Agency can assist your auto service and repair shop in Arkansas, contact us today!

Already have Auto Repair Shop Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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