GARAGE INSURANCE FOR THE PROS WHO KEEP NEW YORK MOVING
When you operate an auto repair facility, collision center, or specialized automotive service business, customers depend on your skill and expertise. But while you focus on quality workmanship, your business faces risks that could impact your bottom line.
At Lancer, we understand the challenges of running an auto repair shop. That’s why we offer garage insurance solutions tailored to safeguard automotive service operations from costly day-to-day liabilities. Backed by decades of experience supporting New York shop owners, we’re here to help your business thrive with reliable protection.
Whether you specialize in mechanical repair, auto painting, or stereo installation, becoming a Lancer policyholder is a smart move. We offer our auto repair shop insurance exclusively through independent agents and brokers, ensuring you get local expertise and personalized guidance. To get started, complete our quick online garage insurance questionnaire, have your broker contact us, or connect with our auto repair and service business insurance team for a Lancer-approved producer near you.
If you’re an independent agent or broker interested in offering Lancer’s garage insurance to automotive service clients, we look forward to speaking with you. Contact our auto repair and service business insurance team to learn more about our garage insurance solutions and becoming a Lancer producer.
GARAGE INSURANCE FOR AUTOMOTIVE SERVICE BUSINESSES
New York automotive service businesses—from alarm installers to muffler shops, oil change facilities to upholstery repair centers—rely on Lancer for peace of mind and financial security. With our AM Best A (Excellent) rated garage insurance, you can enjoy the same confidence.
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GARAGE LIABILITY INSURANCE – NON-DEALER
Garage liability insurance offers essential protection for automotive service businesses, covering common incidents like customer slip-and-fall accidents or third-party property damage. Without garage liability insurance, your business remains vulnerable to costly claims and financial losses.
A Lancer garage liability insurance policy can be enhanced with optional coverages, such as:
- Personal injury liability – Covers non-physical injuries, like libel, slander, defamation, or invasion of privacy
- Advertising injury – Protects against claims involving marketing activities, including copyright or idea infringement
- Additional insured endorsements – Extends liability protection to a premises owner or franchisor
- Damage to premises rented to you – Helps pay for repairs if you accidentally damage a rented or leased space
It is important to note that garage liability insurance does not cover vehicles left in your care for service or repair. That’s where garagekeepers legal liability comes in.
GARAGEKEEPERS LEGAL LIABILITY
No matter your specialty—mechanical repairs, bodywork, or custom installations—people trust you with their vehicles. Garagekeepers legal liability insurance helps pay for damage to customer vehicles while in your care, custody, or control and reinforces your commitment to safeguarding their property.
AUTOMOTIVE SERVICE BUSINESSES WE INSURE
Garage liability insurance and garagekeepers legal liability insurance each offer important protection. Together, they provide more complete coverage against daily shop risks.
Lancer offers garage insurance solutions for a wide range of auto repair and service businesses, including:
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- Auto alarm installation and repair centers
- Auto glass installation and repair facilities
- Auto mechanical repair shops
- Battery installation facilities
- Body repair and collision shops
- Brake shops
- Exhaust shops
- Shocks and struts replacement shops
- Transmission shops
- And more!
If you don't see your specialty listed, call us or request a garage insurance quote online.
POLICYHOLDER BENEFITS
Choosing Lancer means more than top-tier garage insurance. You also gain access to complimentary tools and services that support your shop’s success.
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Here are just a few of the valuable resources that come with being a Lancer policyholder:
- User-friendly claim reporting tools
- SafetyLink Hotline for answers to loss prevention questions
- Safety Stop blog for practical risk management tips
- 24/7 access to online driver training videos
- Business Resource Hub to help safeguard your employees and vehicles and support operations
- Natural Disaster Preparedness materials focused on minimizing risk and keeping your business resilient during severe weather
- Unrivalled loss control services to help you reduce claims and improve safety
AROUND-THE-CLOCK CLAIMS SUPPORT
Accidents happen—but when they do, we’ve got you covered. Our 24/7 toll-free claims hotline connects you with knowledgeable adjusters dedicated to resolving issues quickly, protecting customer relationships, and keeping your operations running.
And through our Loss Recovery Program, we’ll help you recoup out-of-pocket and downtime expenses, including your deductible, when another party is at fault...at no additional cost to you.
PROTECT YOUR SHOP TODAY
You’ve worked tirelessly to build a trusted reputation—now protect it. With garage insurance from Lancer, you get dependable garage liability and garagekeepers legal liability coverage, plus steadfast support focused on your long-term success.
Request an auto repair shop insurance quote today.
MORE AUTO REPAIR SHOP INSURANCE WE OFFER
CAR RENTAL FLEET INSURANCE
Ready to turn your free loaners into a profitable car rental business? With Lancer’s rental fleet insurance, you can stay focused on running your shop—while we help safeguard your newest revenue stream. Contact our auto rental insurance team to learn more.
TOW TRUCK INSURANCE
If your shop uses tow trucks, Lancer’s tow truck insurance can help safeguard your operations from on-the-job risks. Connect with our tow truck insurance team for details.
““Lancer’s risk management team does an extraordinary job of helping my clients implement a program to help them reduce their risk and improve their operations!””
