Insurance for tire shops.
Garage liability, garagekeepers, property, and workers’ comp for tire shops, from mounting and balancing to alignments and roadside tire service.
What tire shops usually carry
- Garage liability
- Garagekeepers
- Property and tire inventory
- Workers’ comp
- Commercial auto for service trucks
- Umbrella
Watch for these in a tire shop policy
- Wheel-off claimsA wheel that comes off after you mounted it is the classic tire shop claim. Torque every lug and record it on the ticket.
- Used tiresSelling used tires with hidden damage or too much age brings product claims. Some policies limit used tire sales, so tell us if you sell them.
- Tire storage firesStacked tires burn hot and long. Insurers look hard at how and where you store inventory, including outside piles.
- Mounting injuriesSplit rims and bead seating can injure techs badly. Insurers often ask about cages and training for truck tire work.
- Scrap tire disposalScrap tires dumped illegally by a hauler you hired can come back to you as cleanup costs. Use a registered hauler and keep the manifests.
What landlords and fleet customers ask tire shops for
- Additional insuredYour landlord, and fleet customers who send vehicles for service.
- Roadside auto liabilityFleets that call you out to the road want $1M on your service trucks.
- Service recordsSome fleets ask for torque and inspection records on every job.
Questions tire shops ask
Straight answers.
The questions we hear most, answered plainly.
Who pays if a wheel comes off after we mount it?
Your garage liability, for injury and damage to others. The cost to redo the work is usually yours, which is why a torque record on every ticket matters.
Is tire inventory covered like other stock?
Usually, as business property, but insurers ask about storage because of fire risk. Outdoor piles are often limited or excluded.
Does roadside tire service need its own coverage?
The service truck needs commercial auto, and roadside work has to be listed on your liability. Many shops miss one or the other.
How fast can I get a certificate?
Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.
Auto services
Related industries.
Don’t see yours? See every industry, or tell us what you do and we’ll quote it.
General liability with products, Property and inventory, Commercial auto for delivery
Auto repair shopsGarage liability, Garagekeepers, Property and tools
Auto body shopsGarage liability, Garagekeepers, direct coverage, Property, booth, and equipment
Car washesGeneral liability, Car wash damage to customer vehicles, Property and wash equipment
Used car dealersGarage liability, Dealer open lot, Garagekeepers
Auto detailersGeneral liability, Garagekeepers, Commercial auto