Question 1

What insurance do California auto repair shops need?

Accepted Answer

At minimum: garage liability ($1M/$2M), garagekeepers insurance (covers customer vehicles), workers' compensation (required by law), commercial property, and commercial auto. Body shops also need environmental liability for paint and chemical exposure. Dealerships need additional dealer's open lot coverage. RISKX works with specialty garage carriers to find comprehensive coverage at competitive rates.

Question 2

How much does garagekeepers insurance cost in California?

Accepted Answer

Garagekeepers insurance in California typically costs $2,000–$8,000/year depending on the number of customer vehicles you hold at any time, their average value, and your location. A shop holding 20 vehicles averaging $30,000 each might pay $3,000–$5,000/year. High-end shops working on luxury vehicles pay more. Coverage protects against fire, theft, vandalism, and collision damage to customer vehicles.

Question 3

Do California mobile mechanics need insurance?

Accepted Answer

Yes — mobile mechanics in California need garage liability, commercial auto (for your service vehicle), and tools/equipment coverage. Workers' comp is required if you have any employees. You should also carry garagekeepers coverage if you transport customer vehicles. Mobile mechanics face unique risks including working in uncontrolled environments and transporting diagnostic equipment. RISKX can quote mobile mechanic coverage.

California Auto Services Insurance | RISKX