Auto Service & Repair – Garage Package

The Risk Theory Auto Service and Repair Garage Program provides a broad specialized insurance coverage customized for independent  and franchised operators.

Coverage: Admitted with A.M. Best ratings of A- IX (Excellent).

Availability: Coverage is available in ALL STATES.

Package Coverages Available:

  • Garage Liability
  • Garagekeepers
  • Property
    – Buildings
    – Business Personal Property
    – Business Income
  • Commercial Auto
  • General Liability
  • Crime
  • Inland Marine
  • EPLI

  • Cyber Liability

  • Equipment Breakdown

  • Excess Liability

Eligible Risks:

  • Lube and Oil Service

  • Engine Repair

  • Brake Service

  • Muffler Repair

  • Transmission Service

  • Auto Collision and Glass Repair

  • Paint and Body Shop

  • Sound Installation

  • Upholstery and Detailing

  • Auto Parts Retailer

  • Incidental Tire Replacement and Alignment

  • Incidental Towing Exposure

Ineligible Risks:

  • Tire Retreaders

  • Recyclers

  • Towing Operations

  • Paint Suppliers

  • Car Wash

Submission Requirements:

  • Completed Accord Applications

  • 3 Years of Currently Valued Loss Runs

  • Employee Lists, Job Titles, Valid Driver’s License #, Date of Birth (see Employee List tab in the application)

  • Documented procedures for the disposal of motor oil, tires, used fuels, solvents and other pollutants and flammables

  • Submit by email to

For more information about Auto Service & Repair:

Jonathan Rogers (469-310-9193,

Brian Atkinson (469-310-9142,