Mechanics & Auto Shop Insurance

Coverage that keeps your garage—and your reputation—running smoothly.

When your business revolves around repairing vehicles, the risks don’t stop under the hood. From customer property damage and employee injuries to equipment breakdowns and fire hazards, your shop needs protection built for hands-on, high-stakes work.



At Spectrum Insurance, we help mechanics, auto body shops, tire dealers, and mobile techs across Connecticut get the insurance coverage they need—without the confusing fine print. We work with 25+ top-rated carriers to find you the best protection for your garage, tools, people, and customers.

What We Cover for Auto Shops & Mechanics:

• Garage Liability Insurance – Covers injuries or property damage resulting from operations
• Garagekeepers Insurance – Protects customers’ vehicles while they’re in your care
• General Liability – Covers customer injuries on-site and third-party damage
• Commercial Property – Protects your shop, bays, tools, and inventory
• Workers’ Compensation – Required in CT if you have employees—even part-time
• Commercial Auto – For tow trucks, mobile tech vehicles, or parts delivery vans
• Equipment Breakdown – Covers lifts, compressors, and diagnostic machines

Real-World Example: The Friday Fender

It’s a busy Friday in your New Britain auto shop. A customer leaves their car overnight for brake work. That evening, one of your techs accidentally backs into the vehicle while parking another car in the garage. The rear bumper is damaged—and the customer’s not happy.

Thanks to your garagekeepers insurance, the damage is covered, the client is made whole, and your business doesn’t miss a beat.

Why Mechanics Trust Spectrum

• We know auto shops. From repair bays to service trucks, we’ve insured it.
• We explain your coverage in plain English. You shouldn’t need a lawyer to understand your policy.
• We’re local. We get the risks of working in a busy Connecticut garage—from icy parking lots to fire hazards.
• We move fast. Need a cert for a vendor or loan? We’ll get it to you same-day.

Let’s Keep You Covered While You Keep Others on the Road

You’ve built a business that keeps your customers safe—we’re here to do the same for you.

Start Your Quote Today

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