Automotive Repair & Shops Insurance

Auto repair shops, tire shops, oil change centers, transmission specialists, body shops, and full-service automotive service centers face a unique set of risks every single day. Customer vehicles are in your care, custody, and control. Your technicians are working with heavy equipment, hazardous fluids, and high-pressure systems. Your tools, lifts, and diagnostic equipment represent a significant investment. And your customers expect their vehicles to be returned in the same — or better — condition than when they dropped them off. One mistake, one accident, or one theft can cost your business tens of thousands of dollars without the right coverage in place. At Silva and Sons Insurance Services, we work with automotive repair businesses of all sizes across Central Texas, Dallas, Houston, and San Antonio to design insurance programs that address the specific exposures of your shop. We understand that a small independent mechanic has different needs than a multi-bay dealership service department, a specialty performance shop, or a high-volume tire and lube center. We take the time to learn your operation, understand your risks, and find coverage that actually fits. Garagekeepers Liability Insurance is one of the most critical coverages for any auto repair business — it protects you when a customer's vehicle is damaged or stolen while in your care, custody, or control. Whether the damage happens in your service bay, your parking lot, or during a road test, garagekeepers coverage responds when your customer holds you responsible. But it's just one piece of a complete auto shop insurance program. You also need Garage Liability Insurance to cover bodily injury and property damage claims arising from your shop operations — including incidents involving customers on your premises and damage caused by your employees while operating vehicles. Commercial Property Insurance protects your building, lifts, tools, diagnostic equipment, and parts inventory against fire, theft, vandalism, and other covered perils. If you have employees, Workers Compensation Insurance is required by Texas law for most businesses and is especially important in a shop environment where injuries from equipment, chemicals, and physical labor are a real exposure. Our licensed brokers will walk you through every coverage option, explain what's included and what's excluded, and make sure your auto repair shop insurance program is built to handle the real-world risks your business faces. If you're looking for garage liability insurance, garagekeepers coverage, auto shop insurance, or workers comp for mechanics in Texas, contact Silva and Sons Insurance Services today.

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