- August 25, 2025
- Posted by: Info
- Category: Business Insurance
Running an auto repair shop in Minnesota is both demanding and rewarding. From fixing broken engines and transmissions to providing vital auto maintenance services, your auto business keeps drivers safe and vehicles on the road. But just like the cars you service, your shop needs protection, too. This is where auto repair insurance comes into play.
As an experienced independent insurance agency based in Minnesota, we specialize in helping auto repair shops secure the coverage they need at competitive rates. With access to multiple top-rated insurance companies, we’re able to compare options, customize policies, and provide the personal attention that larger corporate agencies often overlook. 952-222-8073
Why Auto Repair Shops Need Insurance
Every auto repair shop faces a unique set of risks and challenges. From customer vehicles in your care, custody, and control to employee injuries and expensive tools and equipment. One single incident can disrupt your operations and create significant financial loss. Some of the most critical coverages for auto repair shops include:
- General Liability Insurance – Protects against third-party claims of property damage or bodily injury.
- Garage Liability and Garagekeepers Insurance – Covers accidents that occur while customer vehicles are in your care, custody, or control.
- Workers’ Compensation – Required in Minnesota if you have employees, this provides medical and wage protection for workers injured on the job. When you have this coverage in place, an employee suing you is limited by the state and policy guidelines.
- Commercial Property Insurance – Protects your building, equipment, personal property, and tools from fire, theft, or other covered perils.
- Business Interruption Coverage – Helps replace lost income if your shop must close temporarily due to a covered event. A property loss triggers this coverage.
Having a customized auto repair insurance package not only safeguards your business but also builds trust with your customers. They know their vehicles are protected when they leave them in your care.
The Advantage of Working with an Independent Insurance Agency
Unlike captive agencies that represent just one insurance company, we are an independent agency with access to many top-rated insurance carriers. This means we have the power to:
- Compare quotes from multiple companies to find the cheapest insurance rates.
- Customize policies to fit the unique needs of your Minnesota auto repair business.
- We work for you and focus on your best interests—not just one insurer’s products.
- Adjusting coverage easily as your auto repair business grows, expands, or adds new locations.
Our clients benefit from both cost savings and comprehensive insurance protection, ensuring that no gaps in coverage are overlooked.
“Exclusive Dividend Program for AASP Members”
One of our carriers offers a dividend program for members of the Alliance of Automotive Service Providers (AASP). This program has proven to be very effective and can help your business’s bottom line.
This program rewards AASP members by returning a portion of premiums paid back in the form of dividends when claims experience is favorable (profitable). In other words, when your group performs well, you share in the rewards. This can make a significant difference in reducing your overall insurance costs—without sacrificing the protection your auto business needs.
If you’re an AASP member now, please let us know, and we will make sure you’re set up to take full advantage of this valuable program. If you’re not yet an AASP Member, we’ll explain how joining can benefit your business not only through networking and industry support, but also through potential auto repair insurance savings.
Why Choose Insuring Minnesota?
When it comes to protecting your auto repair shop in Minnesota, experience matters. Our insurance agency has what it takes with decades of knowledge in the commercial insurance space, and we’ve built strong relationships with multiple key carriers. More importantly, at Insuring Minnesota, we treat every client like a partner. You’ll never be just another policy number in a call center. All of our policies come with an experienced agent.
From explaining auto repair insurance coverage in plain, simple language to helping you file a claim quickly when the unexpected happens. Insuring Minnesota, we’re here every step of the way.
Get a Free Auto Repair Insurance Quote Today
Whether you run a small neighborhood auto repair shop or a large multi-bay facility, we can help you secure the protection your Minnesota business deserves. Let us do the shopping for you—comparing multiple companies, explaining your options, and helping you make the most informed decision possible.
Contact our Minnesota-based independent insurance agency today for a free auto repair insurance quote. And if you’re an AASP member, ask about how our dividend program can put money back in your pocket. 952-222-8073