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Automotive aftermarket - Mechanical repair

mechanic under car

Zurich’s automotive aftermarket mechanical repair program is designed for mechanical repair or service shops.

Insurance agents

Business owners

Contact your insurance agent or broker for access.


Submit up to $125K total account premium in most states (instant online quotes up to $50K.)

  • Mechanical repair or service shops including:
    • Muffler shops
    • Brake shops
    • Transmission repair
    • General/mechanical repair
    • Auto quick lube shops

Ineligible risks:

  • Minimum of three years in business or equivalent industry management experience
  • Business Auto with greater than 25 power units


  • Nationwide, except in Alaska, Florida, Hawaii, Louisiana and Texas

Coverages offered:

  • Garage and General Liability
    • Mechanics E&O
    • Employee Benefits liability
  • Business Income and Extra Expense - Actual Loss Sustained
  • Equipment Breakdown Protection
  • Building and Business Personal Property
    • No co-insurance provision
  • Limited Discrimination Coverage option
  • Crime - employee dishonesty, forgery or alteration, money and securities
  • Business auto liability and physical damage
  • Garage keeper's liability (direct or legal liability basis)
    • Blanket Waiver of Subrogation available