Auto Insurance For Technicians (Rates & Discounts)

Various rates and discounts are available for auto insurance for technicians. Auto insurance for technicians exists to protect auto repair shop mechanics and mobile mechanics from different liabilities. Technicians should ensure they have mechanic shop liability insurance, which include general liability, property coverage, workers compensation, and auto insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 28, 2021

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What You Should Know

  • Auto insurance for technicians is created to protect auto repair shop mechanics and mobile mechanics.
  • Technicians should ensure general liability, property coverage, workers compensation, and auto insurance.
  • Liability, comprehensive, collision, and physical damage coverages are all included with commercial auto insurance.

Auto repair shops and similar businesses should investigate the best auto insurance companies to get coverage for risks or damages that may happen at the workplace. Auto insurance for technicians allows the facility to run more smoothly.

Auto insurance for technicians not only protects employees and the company but also protects clients and their property.

Commercial auto insurance costs can vary dependent on the type of business the insurance is covering and the use of their cars.

Do you want to find the best commercial auto insurance companies for your technicians? Enter your ZIP code and get a free quote today.

What is auto insurance for technicians?

Auto insurance for technicians exists to protect auto repair shop mechanics and mobile mechanics from liabilities that result from accidents like customer injury, employee illness, and property damage.

Mechanic business insurance is for businesses such as retail tire dealers, auto repair shops, mechanics, body repair and collision shops, garages, shops with automotive service excellence or I-CAR certifications, auto sounds and communications installation and repair shops.

Why should technicians obtain auto insurance?

If your auto business has a physical location, a possibility of getting sued, or assets that could get stolen or damage – like a mechanic’s garage – then you should buy affordable auto insurance for technicians.

Technician employers have the responsibility to take care of their mechanic team, auto shop’s property, and their auto shop’s operations. A technician is even responsible for the responsibility of the customer being in the wrong place at the wrong time.

Because of these responsibilities, technicians should ensure they have mechanic shop liability insurance. This includes general liability, property coverage, workers compensation, and auto insurance.

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What are some rates and discounts for auto insurance for technicians?

Owning and maintaining a business that operates on cars, or other property that does not belong to them, may be eligible for small business auto insurance.

Affordable auto insurance for technicians is not hard to come by. You can learn how to compare auto insurance quotes before inquiring about discounts. Discounts are dependent upon driving history, the experience of the drivers, and the businesses use of the vehicles.

Your business may qualify for commercial vehicle insurance discounts due to a variety of reasons:

  • You or your employee having a commercial driver’s license
  • Having business experience for three years or more
  • Showing your loyalty by keeping your auto insurance for a year or longer
  • Holding multiple policies with the same insurance company
  • If your insurance has been paid in full

Commercial Auto Insurance

It is beneficial for technicians to get commercial auto insurance because of all the coverages that come with the auto insurance policies, such as:

  • Liability coverage, which protects bodily injuries and property damage towards others
  • Physical damage coverage protects an owned vehicle against accidental loss or damage
  • Collision coverage is created to cover losses resulting from the collision of your covered vehicle with another object or the overturn of a covered vehicle
  • Comprehensive coverage covers losses resulting from any cause of loss other than a collision or overturn – such as collision with an animal.

Also, with Commercial Auto Insurance comes a Business Owner’s Policy, known as a BOP. This policy combines three types of insurance coverages that small businesses get to help them from the risks they may run into.

A BOP is a mixture of business property insurance and business liability insurance that helps cover your business in case of a fire, theft, or other disasters.

It also helps covers claims of bodily injury, property damage, and personal and advertising injuries.

Specialized coverages are included to, such as data breaches, business income for off-premises services, and other specialized coverages.

Do you want to know who has the cheapest commercial auto insurance? Various rates and discounts can be applied to auto insurance for technicians. Enter your ZIP code and get a free quote today.


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