Utica First Insurance Company  |  Email Us  |  800-456-4556

Auto Service & Repair Garages

Do you run a local auto repair shop? Our garage program can provide coverage for your building, contents, your tools and your employee's tools.

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Garagekeepers Liability coverage can help to protect your assets from the risks associated with making repairs to other people's vehicles.

Coverage Highlights

Business property insurance

Helps protect the physical location that your business owns or leases as well as property such as tools, equipment and inventory.

General liability insurance

Helps protect your business from the financial costs of property damage, bodily injury, personal and advertising injury claims made against your business.

Business income insurance

Helps replace lost income when you are unable to conduct business due to a covered loss like a fire.

Nonowned / Hired Auto Liability

Included in all our Auto Repair Businessowner policies, this coverage provides important protection while employees are driving customer vehicles.

Some our classes include:

  • General Auto Repair Shops
  • Transmission Shops
  • Oil Change/Quick Lube Shops
  • Auto Glass Repair
  • Auto Detailing
  • Audio Systems Installation
  • Rustproofing
  • Auto Painting
  • Collision Shops
  • Upholstery Shops
  • Installation of Remote Starter, alarms & other electronics

And more! Please contact your local independent insurance agent to learn about all classes offered by Utica First

Optional Coverage

Garagekeepers Liability

Garagekeepers coverage provides peace of mind for your customers should the worst happen to a customer's car while at your shop. Your customers' cars would be covered for things like someone backing into their car while parked or someone vandalizing the car overnight.

Equipment Breakdown Coverage

Your vehicle lifts and other specialized equipment are critical to operating your shop. They are subject to hazards such as power surges, short circuits, centrifugal force, boiler overheating or cracking, and mechanical breakdown. This coverage can protect your equipment from these hazards and get you back up and running quickly.

Cyber Liability

Do you take credit cards, have a website? Did you know that 44% of small businesses have reported that their business has been struck by a cyber attack? In addition to our state-of-the-art cyber liability coverages, your policy includes a range of breach response services including: Legal services, Data security & forensics, Customer notification, credit monitoring, and reputational damage.

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This is not all! Please contact your local independent insurance agent to learn about additional classes and coverages offered by Utica First

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States we serve: CT, FL, MA, MD, NJ, NY, OH, PA, VA


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Unique, cost effective commercial insurance products for small and medium sized businesses.

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Unique, cost effective commercial insurance products for small and medium sized businesses.

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