Commercial insurance for automotive service businesses protects against risks like property damage, customer injuries, employee accidents, and vehicle damage. Key coverages include general liability insurance for third-party claims, commercial property insurance for buildings and equipment, and workers’ compensation for employee injuries. Garage liability insurance covers damages caused by shop operations, while garage keepers insurance protects customer vehicles in the shop’s care. Many shops also carry business interruption insurance to cover lost income during unexpected closures, ensuring financial stability. Without these coverages, your automotive service business could face significant financial and reputational risks from lawsuits.