Insurance for Massachusetts Auto Repair and Service Centers

Looking for insurance coverage for your auto repair shop or service center in Massachusetts? A steady stream of demand continues to drive the auto repair and service industry forward. But repairing cars and working with specialized mechanical equipment can pose serious risks. In addition to protecting yourself and your staff, as a repair shop owner you need to protect customers’ vehicles, a large inventory of car parts, and company equipment.

Types of Auto Repair Businesses We Insure 

  • Mechanics
  • Auto Repair Shops
  • Retail Tire Dealers
  • Collision Shops/Body Repair
  • Garages
  • Automotive Service Excellence (ASE) or I-CAR Certified Shops
  • Auto Sound Installation and Repair Shops

From garages specializing in custom body work and precision collision restoration, to repair shops of all sizes that keep drivers rolling with oil changes, brake pad replacement and other forms of regular maintenance, we can help find insurance options for you.

What Types of Coverages Do Auto Repair Businesses Need in Massachusetts? 

In Massachusetts, businesses are required to have a minimum level of workers’ compensation and commercial auto insurance. In addition, you ought to consider a  Business Owner’s Policy (BOP). Each BOP is different, but they typically include:

  • General Liability Insurance to protect against claims of bodily injury or property damage to someone else’s belongings
  • Property Insurance to protect your building, tools and equipment
  • Business Income Insurance to help recover some of your lost income if you are forced to shut down due to a covered loss.

Additional coverages that auto repair businesses should consider are: 

  • Garage Keepers and Garage Keepers Liability Insurance – can provide an additional layer of protection for autos being stored on your lot from weather damage, fire, vandalism, theft and more. This coverage can even extend to the contents of your customers’ center consoles, glove boxes and other personal property.
  • Expanded Commercial Auto – coverage for test drives, vehicle transportation, parts delivery and more.
  • Cyber Fraud/Cyber Liability Insurance – if your shop stores customer information you’ll need cyber liability coverage to help cover the costs of responding to a breach if information becomes lost or stolen.

auto mechanic checking the condition of tires at an auto repair shop
Local Service for the South Shore 

We’re local, with convenient South Shore offices in Marshfield and Braintree. We take a personal approach to your insurance needs. Our team is readily available by phone or email to answer questions you may have. If you experience a loss, our in-house claims department will strive to make the claims process simple and efficient.

Comparing Quotes for Your Auto Repair or Service Center Business 

Are you shopping for insurance quotes for your auto repair business? We’ve partnered with dozens of the top insurance carriers, giving our clients options. For over fifty-five years, our office has helped provide comprehensive insurance for Massachusetts auto repair and auto service centers. Request a free quote online from our offices in Braintree or Marshfield to get started protecting your business today. 



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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