Massachusetts and Rhode Island Garage Insurance

Running a garage business in Massachusetts or Rhode Island means you probably don’t have enough time to think about insurance. Whether you have a reputation for working on domestic or foreign cars, or you work your magic with body repairs, mufflers, exhausts, transmissions, or windshields, we’ve got you covered.

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Businesses We Insure

If you run a a garage or auto service business of any kind in MA or RI, you know that a lot can go wrong with cars. Garage insurance from Lapointe Insurance will reduce the risks you face in the auto repair business, so you can focus on providing the best possible service to your clients and their autos.

Drivers in Rhode Island and Massachusetts depend on you to provide a quality repair service and get them back on the road fast. If your business has to stop for an unexpected accident, can your insurance help put you back in the drivers seat just as fast?

There are plenty of risks that threaten your operation each day, and Lapointe Insurance provides complete, affordable garage and automotive repair shop insurance to help settle damages or pay for repairs that would otherwise threaten your business.

Coverages we Recommend

  • Garage Liability Insurance

    Covers damages that arise from operating an automobile during garage operations. This option is an enhancement to commercial property liability coverage. A staple of the auto service industry, this coverage is necessary to ensure that your shop is fully covered.

  • Garage Keepers Insurance

    Protects you in the event a customer’s auto is damaged during the course of garage operations. This is an essential option for any auto service business.

  • Commercial Auto Insurance

    Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.

  • Employee Practices Liability Insurance

    To protect against claims of discrimination, wrongful termination, or harassment by employees.

  • Equipment Breakdown Coverage

    Protects you against equipment failures due to power surge, mechanical breakdown, burnout, or operator errors. You may also know this coverage as “boilers and machinery” insurance.

  • Sewer or Drain Coverage

    Covers a clean up if you have a sewer or drainage backup in your garage due to rain or a water main break.

  • Workers Compensation Insurance

    Can help replace workers' lost wages, pay for medical treatment, and protect your business in the long run.

  • Garagekeepers Legal Liability Insurance (GKLL)

    Protects your business in case a customers vehicle is damaged by theft, fire, collision, or vandalism. This optional coverage helps business owners who offer towing services, or perform repairs on vehicles. It provides coverage for a customer’s vehicle when it is in your company’s possession.

Ready to Get Started?

Fill out our form today to get a free quote for business insurance. It only takes a couple minutes! Available to mechanics and garages in MA and RI.