https://completemarkets.com/company/cochrane-and-company/garage-service-repair-insurance/
Looking for reliable coverage solutions for your garage service and repair clients? The Garage Service & Repair Insurance program from Cochrane & Company focuses on risks that service or repair a broad range of vehicle types—including mobile operations. Backed by carriers accessible through an underwriter with an AM Best A+ relationship, this program delivers flexible, industry-focused protection tailored to today’s auto service businesses.
Overview of the Program From Cochrane & Company
Cochrane & Company offers a specialized Garage Service & Repair Insurance program designed for automotive and heavy-vehicle service businesses across a variety of specialties. The program is particularly strong in the Western U.S. and is structured to cover exposures created by both fixed-location shops and mobile service operations.
Ideal Accounts and Appetite
This program fits a wide range of garage and vehicle-related classes. Typical accounts include:
ATV sales and repair shops
Bus sales and repair
Mobile mechanics and mobile diesel repair
Motorcycle and scooter sales/service
Heavy truck, tractor, and RV repair facilities
Used car dealerships
Tow truck operators (non-fleet)
Auto, boat, and RV storage facilities
Oil and lube shops
Parking structures
The program is open to new ventures on a sublimit basis when ownership and mechanic experience are acceptable. It commonly accommodates mixed operations (for example, a used-car lot that also offers light repair) and most business-use vehicles can be scheduled.
Coverage Highlights and Advantages
Liability: Limits to $1,000,000 per occurrence / $3,000,000 aggregate.
Garagekeepers:
Private passenger, light & medium trucks: $50,000 per unit / $500,000 aggregate.
Heavy trucks, tractors, buses: $150,000 per unit / $500,000 aggregate.
Any combination of autos: $500,000 aggregate.
Available Legal Liability and Direct Primary options.
Maximum deductible per occurrence: $5,000.
Property: Building, contents and business income coverage available.
Vehicle Scheduling: Most business-use vehicles are eligible to be scheduled on the policy.
Underwriting Notes and Minimum Premiums
Submissions require a completed garage application plus any applicable supplements: Heavy Equipment Service or Tow Operator Questionnaire, and a Motorcycle/Off-Road Supplement when relevant. Underwriters will ask for ownership and mechanic experience, details on building and lot security, and a current loss history.
New operations are considered but generally on a sublimit basis until experience and controls are established. Minimum premiums vary by class and coverages selected—discuss specific minimums with your Cochrane representative when you submit a risk.
Territories and Availability
This non-admitted program is available in AZ, CA, CO, ID, MT, NV, OR, UT, WA, and WY. Cochrane & Company works with multiple carrier markets to tailor solutions regionally; availability and terms will vary by state and specific exposure.
Why Work With Cochrane & Company?
As a Managing General Agency with specialty expertise in garage and auto-related risks, Cochrane & Company provides underwriting that understands shop and mobile exposures. Their team is positioned to help place tougher or mixed-class accounts and can respond quickly with market options and flexibility on coverages like garagekeepers and property.
You might have a client who just launched a mobile diesel repair service needing garagekeepers and liability limits while operating from temporary sites. Or you may be placing a used-car dealer that also offers light repair and short-term storage—Cochrane’s program can often combine those exposures under one submission.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program fits a broad range of garage operations including mobile mechanics, motorcycle repair shops, heavy truck service centers, used car dealerships, tow operators (non-fleet), storage facilities, and similar vehicle service businesses.
Is this program available for new ventures?Yes. New ventures are acceptable on a sublimit basis. Underwriters will require details about owner and staff experience, security measures, and a clear plan for operations.
What is the maximum limit available for garagekeepers coverage?Garagekeepers limits include up to $150,000 per unit for heavy vehicles with a $500,000 aggregate. Both Legal Liability and Direct Primary forms are available depending on the account.
Which states is this program available in?The program is offered in AZ, CA, CO, ID, MT, NV, OR, UT, WA, and WY. Terms and availability vary by state since the program is non-admitted.
What documents are required to submit a risk?You’ll need a completed garage application, any applicable supplements (e.g., Tow Operator, Motorcycle/Off-Road), details on owner/mechanic experience, property security information, and the insured’s loss history.
Need help placing an account? Connect with a market specialist.