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Auto Services Insurance

Expensive equipment, an extensive inventory of parts, responsibility for other people’s cars—you face some pretty unique risks as the owner of an auto repair shop.

Your Risks, Our Solutions

Business Insurance from ERIE Has You Covered

Premises Liability Coverage

In case a customer is injured by slipping on spilled oil in your shop or on its premises.

Errors and Omissions Coverage

Commonly referred to as professional liability coverage, this coverage protects against mistakes which can damage a customer’s vehicle no matter how careful you and your employees are. (Available for purchase as an additional coverage.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Coverage for Property and Income Loss

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired. 

Equipment Breakdown Coverage

To repair or replace equipment such as refrigerators, freezers, telephones, computers and heating/cooling equipment after an equipment breakdown.

Coverage for Certain Utility Interruptions

In case an off-premises utility service interruption causes your shop to lose income because your lift is down, and you’re unable to work on a customer’s vehicle. 

Workers’ Compensation Coverage

Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)

Employment Practices Liability

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

Coverage for Customer’s Vehicles

In case your customer’s vehicle is damaged or stolen while in your care, custody or control. (Available for purchase as an additional coverage.)


You’ll be glad to know that auto shop insurance goes the extra mile with these additional coverages.

Hired & Nonowned Auto Liability

Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.1

Sewer or Drain Backup

With your Erie Secure Business policy, covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.2

Data Breach Response Expenses

To notify and assist affected individuals and provide various case management services.1

Ordinance or Law

Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

Employee Theft

Protects you against employee theft, which is a situation that can be hard to detect.


Covers a loss caused by an earthquake.2 

1 Available for purchase as an additional coverage on select policies.

2 Available for purchase as an additional coverage.

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Specialized Services

You have support from claims and customer service teams that have special training in serving businesses like yours.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time to every time in between.

Claims service you can count on

With ERIE, you have claims service that’s local and quick to respond.

 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. ERIE has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.

Auto Services Quote

Does your business have the right level of protection? If not, let’s talk.

Ready to get started?

Auto Services Insurance garage insurance Expensive equipment, an extensive inventory of parts, responsibility for other people’s cars — Protect your auto repair shop with Auto Service Insurance from ERIE. Erie Insurance