--- title: Do You Have the Right Insurance for Your Auto Service Business? description: "Garage operations have hybrid coverage needs:  there’s a blur and overlap between the general liability for the operations and the automobile liabili" image: https://www.sutherland-scherff.com/hs-fs/file-13461994-gif/images/auto_repair_insurance.gif --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # Auto Repair Insurance Redirect ## [Do You Have the Right Insurance for Your Auto Service Business?](https://www.sutherland-scherff.com/auto-repair-insurance/bid/71803/Do-You-Have-the-Right-Insurance-for-Your-Auto-Service-Business) Posted by [Susie Scherff](https://www.sutherland-scherff.com/auto-repair-insurance/author/susie-scherff) on Mon, Nov 07, 2011 @ 10:01 AM - [Tweet](https://twitter.com/share) Garage operations have hybrid coverage needs:  there’s a blur and overlap between the general liability for the operations and the automobile liability exposures. A general liability policy does not provide enough coverage and a commercial auto policy provides too much. Fortunately there is a way to properly handle this need.![auto repair](https://www.sutherland-scherff.com/hs-fs/file-13461994-gif/images/auto_repair_insurance.gif?width=200&height=150&name=auto_repair_insurance.gif) The Garage Coverage Form contains premises liability, products liability, automobile liability and automobile physical damage coverages. Operations that should be protected with the Garage Coverage Form include the following: - franchise and non-franchise auto dealers - truck dealers - motorcycle dealers - snowmobile and recreational vehicle dealers - new and/or used trailer dealers - vehicle repair shops - service stations - storage garages and - public parking places The Garage Coverage Form is flexible, having the ability to cover a wide variety of automobile loss exposures. Besides covering vehicles that are owned by the covered business, it may also cover vehicles that are non-owned (rented or borrowed), trucks and other non-private passenger vehicles, trailers and mobile equipment. Coverage may even apply to vehicles that are privately owned by employees, but were involved in a work-related loss; say an employee who has a collision in his personal car while returning from picking up lunch for his boss and co-workers.  A garage policy may also be written to customize how coverage applies to different types of vehicles. For instance, Joe's Towing Service has a fleet of four tow trucks, as well as a sedan used by the owner. The towing service also does repairs and regularly has customer vehicles on their premises. Rather than having both liability and physical damage on all cars the services either owns or handles, Joe selects the following: - Liability and Physical Damage - for his two newer tow trucks and his sedan. - Liability only - for his two, older tow trucks - Physical Damage Liability only - for vehicles belonging to customer Like other types of policies, a garage coverage form also provides legal defense coverage. In other words, the policy handles the costs associated with defending the policy owner against claims and lawsuits. This protection does not affect the separate limits of insurance that are selected for the liability coverages. Garage Coverage Form is a great solution for auto service businesses, but not all businesses warrant its comprehensive coverage. Contact your Sutherland-Scherff insurance professional to learn what level of coverage is best for your business. Topics: [Business Liability Insurance](https://www.sutherland-scherff.com/auto-repair-insurance/topic/business-liability-insurance), [Business Owners Insurance](https://www.sutherland-scherff.com/auto-repair-insurance/topic/business-owners-insurance), [Business Personal Property](https://www.sutherland-scherff.com/auto-repair-insurance/topic/business-personal-property), [Building Ordinance or Law Coverage](https://www.sutherland-scherff.com/auto-repair-insurance/topic/building-ordinance-or-law-coverage), [Business Insurance](https://www.sutherland-scherff.com/auto-repair-insurance/topic/business-insurance), [Building Insurance](https://www.sutherland-scherff.com/auto-repair-insurance/topic/building-insurance), [Auto Insurance](https://www.sutherland-scherff.com/auto-repair-insurance/topic/auto-insurance) ### **Subscribe** To Our Blog ### Most Popular Posts ### Browse by Tag - [Business Insurance (28)](https://www.sutherland-scherff.com/blog/topic/business-insurance) - [Auto Insurance (22)](https://www.sutherland-scherff.com/blog/topic/auto-insurance) - [restaurant insurance (22)](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance) - [Home Insurance (17)](https://www.sutherland-scherff.com/blog/topic/home-insurance) - [Building Insurance (12)](https://www.sutherland-scherff.com/blog/topic/building-insurance) - [Homeowners Insurance (10)](https://www.sutherland-scherff.com/blog/topic/homeowners-insurance) - [Insurance (10)](https://www.sutherland-scherff.com/blog/topic/insurance) - [Property Insurance (7)](https://www.sutherland-scherff.com/blog/topic/property-insurance) - [Commercial Auto Insurance (6)](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) - [Business Owners Insurance (5)](https://www.sutherland-scherff.com/blog/topic/business-owners-insurance) - [Condominium Insurance (5)](https://www.sutherland-scherff.com/blog/topic/condominium-insurance) - [California Restaurant Association (4)](https://www.sutherland-scherff.com/blog/topic/california-restaurant-association) - [Car Insurance (4)](https://www.sutherland-scherff.com/blog/topic/car-insurance) - [Fire Insurance (4)](https://www.sutherland-scherff.com/blog/topic/fire-insurance) - [Flood Insurance (4)](https://www.sutherland-scherff.com/blog/topic/flood-insurance) - [Personal Property Insurance (4)](https://www.sutherland-scherff.com/blog/topic/personal-property-insurance) - [dwelling fire policy (4)](https://www.sutherland-scherff.com/blog/topic/dwelling-fire-policy) - [Business Personal Property (3)](https://www.sutherland-scherff.com/blog/topic/business-personal-property) - [EPLI (3)](https://www.sutherland-scherff.com/blog/topic/epli) - [Earthquake Insurance (3)](https://www.sutherland-scherff.com/blog/topic/earthquake-insurance) - [General Liability Insurance (3)](https://www.sutherland-scherff.com/blog/topic/general-liability-insurance) - [Personal Liability (3)](https://www.sutherland-scherff.com/blog/topic/personal-liability) - [Personal Umbrella (3)](https://www.sutherland-scherff.com/blog/topic/personal-umbrella) - [Apartment Insurance (2)](https://www.sutherland-scherff.com/blog/topic/apartment-insurance) - [Building Ordinance or Law Coverage (2)](https://www.sutherland-scherff.com/blog/topic/building-ordinance-or-law-coverage) - [Business Liability Insurance (2)](https://www.sutherland-scherff.com/blog/topic/business-liability-insurance) - [Employment Practices Liability Insurance (EPLI) (2)](https://www.sutherland-scherff.com/blog/topic/employment-practices-liability-insurance-epli) - [Employment practices liability insurance (2)](https://www.sutherland-scherff.com/blog/topic/employment-practices-liability-insurance) - [General Liability (2)](https://www.sutherland-scherff.com/blog/topic/general-liability) - [Identity Theft Insurance (2)](https://www.sutherland-scherff.com/blog/topic/identity-theft-insurance) - [Life Insurance (2)](https://www.sutherland-scherff.com/blog/topic/life-insurance) - [Restaurant (2)](https://www.sutherland-scherff.com/blog/topic/restaurant) - [auto service insurance (2)](https://www.sutherland-scherff.com/blog/topic/auto-service-insurance) - [commercial insurance for restaurants (2)](https://www.sutherland-scherff.com/blog/topic/commercial-insurance-for-restaurants) - [Auto Repair (1)](https://www.sutherland-scherff.com/blog/topic/auto-repair) - [Auto Shop (1)](https://www.sutherland-scherff.com/blog/topic/auto-shop) - [Business Personal Property Insurance (1)](https://www.sutherland-scherff.com/blog/topic/business-personal-property-insurance) - [Commercial Property Insurance (1)](https://www.sutherland-scherff.com/blog/topic/commercial-property-insurance) - [EPLI for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/epli-for-restaurants) - [Employee Dishonesty Coverage (1)](https://www.sutherland-scherff.com/blog/topic/employee-dishonesty-coverage) - [Food Service Delivery (1)](https://www.sutherland-scherff.com/blog/topic/food-service-delivery) - [Home Based Business Insurance (1)](https://www.sutherland-scherff.com/blog/topic/home-based-business-insurance) - [Homeowners Coverages (1)](https://www.sutherland-scherff.com/blog/topic/homeowners-coverages) - [In Home Business Insurance (1)](https://www.sutherland-scherff.com/blog/topic/in-home-business-insurance) - [Insurance Policy Types (1)](https://www.sutherland-scherff.com/blog/topic/insurance-policy-types) - [Liability Insurance (1)](https://www.sutherland-scherff.com/blog/topic/liability-insurance) - [Liquor Liability (1)](https://www.sutherland-scherff.com/blog/topic/liquor-liability) - [Loss of Income Insurance (1)](https://www.sutherland-scherff.com/blog/topic/loss-of-income-insurance) - [Pet Insurance (1)](https://www.sutherland-scherff.com/blog/topic/pet-insurance) - [Renters Insurance (1)](https://www.sutherland-scherff.com/blog/topic/renters-insurance) - [Senate Bill 602 (1)](https://www.sutherland-scherff.com/blog/topic/senate-bill-602) - [Uninsured Motorist Insurance (1)](https://www.sutherland-scherff.com/blog/topic/uninsured-motorist-insurance) - [age discrimination (1)](https://www.sutherland-scherff.com/blog/topic/age-discrimination) - [best insurance practices for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/best-insurance-practices-for-restaurants) - [best practices for employment practices (1)](https://www.sutherland-scherff.com/blog/topic/best-practices-for-employment-practices) - [commercial auto insurance for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance-for-restaurants) - [employment law (1)](https://www.sutherland-scherff.com/blog/topic/employment-law) - [employment practices (1)](https://www.sutherland-scherff.com/blog/topic/employment-practices) - [employment risk management (1)](https://www.sutherland-scherff.com/blog/topic/employment-risk-management) - [food delivery service (1)](https://www.sutherland-scherff.com/blog/topic/food-delivery-service) - [food service (1)](https://www.sutherland-scherff.com/blog/topic/food-service) - [liability insurance for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/liability-insurance-for-restaurants) - [off premises utility interruption (1)](https://www.sutherland-scherff.com/blog/topic/off-premises-utility-interruption) - [property insurance for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/property-insurance-for-restaurants) - [restaurant hiring practices (1)](https://www.sutherland-scherff.com/blog/topic/restaurant-hiring-practices) - [restaurant law (1)](https://www.sutherland-scherff.com/blog/topic/restaurant-law) - [restaurants (1)](https://www.sutherland-scherff.com/blog/topic/restaurants) - [risk management for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/risk-management-for-restaurants) - [utility interruption (1)](https://www.sutherland-scherff.com/blog/topic/utility-interruption) - [workers’ compensation insurance. (1)](https://www.sutherland-scherff.com/blog/topic/workers’-compensation-insurance) #### Personal Insurance - [Auto](https://www.sutherland-scherff.com/personal-insurance/auto-insurance/) - [Home](https://www.sutherland-scherff.com/personal-insurance/home-insurance/) - [Renters](https://www.sutherland-scherff.com/personal-insurance/renters-insurance/) - [Umbrella](https://www.sutherland-scherff.com/personal-insurance/umbrella-insurance/) - [Flood](https://www.sutherland-scherff.com/personal-insurance/flood-insurance/) - [Motorcycle](https://www.sutherland-scherff.com/personal-insurance/motorcycle-insurance/) - [Watercraft](https://www.sutherland-scherff.com/personal-insurance/watercraft-insurance/) - [Recreational Vehicle](https://www.sutherland-scherff.com/personal-insurance/recreational-vehicle-insurance/) - [Off-Road Vehicle](https://www.sutherland-scherff.com/personal-insurance/off-road-vehicle-insurance/) - [Dwelling Fire](https://www.sutherland-scherff.com/personal-insurance/dwelling-fire-insurance/) - [Earthquake](https://www.sutherland-scherff.com/personal-insurance/earthquake-insurance/) #### Business Insurance - [Commercial Property](https://www.sutherland-scherff.com/business-insurance/commercial-property/) - [General Liability](https://www.sutherland-scherff.com/business-insurance/general-liability/) - [Commercial Auto](https://www.sutherland-scherff.com/business-insurance/commercial-auto/) - [Worker's Compensation](https://www.sutherland-scherff.com/business-insurance/workers-compensation/) - [Apartment Insurance](https://www.sutherland-scherff.com/business-insurance/apartment-insurance/) - [Restaurant Insurance](https://www.sutherland-scherff.com/business-insurance/restaurant-insurance/) - [Auto Repair Insurance](https://www.sutherland-scherff.com/business-insurance/auto-repair-insurance/) - [Business Owners Policy](https://www.sutherland-scherff.com/business-insurance/business-owners-policy/) #### About Us - [Contact Us](https://www.sutherland-scherff.com/contact-us/) - [Our Company](https://www.sutherland-scherff.com/about-us/our-company/) - [Our Agents](https://www.sutherland-scherff.com/about-us/our-agents) - [Testimonials](https://www.sutherland-scherff.com/testimonials/) - [Partnership Program](https://www.sutherland-scherff.com/about-us/partnership-program/) - [Partners](https://www.sutherland-scherff.com/about-us/partners/) - [Realtors Program](https://www.sutherland-scherff.com/realtors-program/) - [Our Privacy Policy](https://www.sutherland-scherff.com/about-us/our-privacy-policy/) - [Claims](https://www.sutherland-scherff.com/service-center/24-hour-claim-numbers/) - [Payment Options](https://www.sutherland-scherff.com/make-a-payment/) - [Blog](http://sutherland-scherff.hs-sites.com/blog) #### Contact Us **Effective February 2nd, 2026:** 2948 Honolulu Ave La Crescenta, CA 91214-3909 **Local:** (818) 248-2860 **Toll Free:** (888) 400-1133 **Fax:** (818) 248-5977 ![](https://www.sutherland-scherff.com/hs-fs/hubfs/flogo4.png?width=216&height=198&name=flogo4.png "flogo4.png") 2013 Sutherland-Scherff | CA License #0G00862 | [Terms of Use](https://www.sutherland-scherff.com/about-us/our-privacy-policy/) | [Web design by SmartBug Media](http://smartbugmedia.com/)