Auto repair shops wholesale insurance · Yes · Hedge E&S
Hedge / Appetite / Auto repair shops
● Actively writing / P&C

Auto repair shops.

Independent mechanics and small chains. Garagekeepers included.

NAICS   811111 · 811112
Also known as   mechanic, garage, service garage, oil change, muffler shop
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Coverage

What we'd quote.

Standard limits on a clean auto repair shops submission. Excess towers structured on request.

General Liability $1M / $2M General Liability wholesale → Garagekeepers $250K direct primary Garagekeepers wholesale → Commercial Property $2M / loc Commercial Property wholesale → Pollution $500K (waste oil) Pollution wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Independent shops with 3+ bays
02 No body work / paint booth
03 Long-term lease, not roadside
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01Number of bays + lifts
  • 02Customer cars on premises at any time
  • 03Used oil disposal vendor
  • 04Body work %
  • 05Wash bay (pollution exposure)?
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Churches & religious institutions P&C Course of construction P&C Electricians
FAQ

Common questions.

Does Hedge write auto repair shops?

Yes. Auto repair shops is in appetite. Independent mechanics and small chains. Garagekeepers included. First response inside 30 minutes during business hours.

What does Hedge need to quote auto repair shops?

Number of bays + lifts; Customer cars on premises at any time; Used oil disposal vendor; Body work %; plus 1 more standard items. Pulling these together with the file gets you to a quote in hours.

What limits and lines does Hedge offer on auto repair shops?

General Liability to $1M / $2M; Garagekeepers to $250K direct primary; Commercial Property to $2M / loc; Pollution to $500K (waste oil). Excess towers are structured on request.

Does Hedge write mechanic?

mechanic is one of the ways brokers describe auto repair shops, and yes, we handle it under our Auto repair shops appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671