Insurance for Tire Shops and Alignment Services – Protecting Your Business with Garage Keepers Insurance
Running a tire shop or alignment service means more than just balancing wheels and fixing flats—it also means taking responsibility for customer vehicles while they’re in your care. Every day, your business faces risks: accidents in the shop, customer vehicle damage, employee injuries, and unexpected liability claims. Without the right insurance, one incident could put your entire operation at risk.
At Garage Keepers Insurance, we specialize in coverage designed for tire shops, wheel alignment services, and independent auto repair facilities. From auto dealer insurance coverage to specialized liability protection, our goal is to help you secure the best auto insurance deals while ensuring your business complies with all auto dealer insurance requirements.
Why Tire Shops and Alignment Services Need Specialized Insurance
Unlike general auto repair shops, tire and alignment businesses handle high customer volume and expensive equipment daily. That creates unique risks:
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A vehicle could be damaged while lifted on a rack.
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Customers or employees may slip on oil or water.
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Equipment could break and lead to costly repairs.
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A simple mistake in alignment could cause an accident later.
That’s why general liability alone isn’t enough. You need tailored protection that covers both your shop and your customers’ vehicles.
Our auto dealer liability insurance options, combined with garage keepers coverage, make sure you’re fully protected against claims and damages.
Types of Insurance Coverage for Tire Shops and Alignment Services
1. Business Owners Policy (BOP)
A BOP is a package policy that bundles key protections for small and mid-sized businesses:
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Property Coverage – Protects your building, tools, and tire-changing equipment.
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General Liability – Covers customer injuries or damage to their property.
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Business Interruption – Provides income replacement if your shop is forced to close due to a covered loss.
This bundled plan often provides the best auto insurance deals for small businesses because it combines essential protections into one affordable package.
2. General Liability Insurance
Liability is one of the most significant risks for tire shops. A single accident could lead to expensive lawsuits. With dealer auto insurance or auto dealer insurance coverage, you get protection for:
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Customer injuries on your premises.
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Damage to customer property.
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Legal defense costs.
This is not just recommended—it’s often part of auto dealer insurance requirements for businesses that handle customer vehicles.
3. Garage Keepers Insurance
This is a must-have for tire shops and alignment businesses. Garage Keepers Insurance protects you when a customer’s car is damaged while under your care, custody, or control. For example:
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Accidental scratches or dents while moving a vehicle.
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Damage caused by fire, theft, or vandalism while cars are stored overnight.
With garage keepers coverage, you’re not paying out-of-pocket for accidents that could cost thousands of dollars.
4. Workers’ Compensation Insurance
Your employees handle heavy tires, machinery, and hydraulic equipment. Workplace injuries can happen in seconds. Workers’ compensation ensures your team is covered for medical bills, rehabilitation, and lost wages, while also protecting your business from costly lawsuits.
5. Auto Dealer Insurance Programs
Many tire shops also sell used vehicles or partner with dealerships. If this applies to you, you may need used auto dealer insurance or used car auto dealer insurance. These policies cover the added risks of sales operations, including:
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Test drive liability.
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On-lot inventory coverage.
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Compliance with dealer bonding and licensing laws.
Whether you’re in Florida auto dealer insurance, expanding your services in other states, or comparing auto dealer insurance companies, our team can build a policy that works for you.
The Cost of Tire Shop Insurance
A common question we hear is: What is the typical auto dealer insurance cost for a tire or alignment shop?
The truth is, rates vary based on:
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Shop size and location.
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Number of employees.
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Types of services offered (tire replacement vs. full auto repair).
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Whether you sell vehicles (requiring used car auto dealer insurance).
At Garage Keepers Insurance, we provide transparent, customized quotes. You can request an auto dealer insurance quote to get exact numbers tailored to your business needs.
Finding the Best Auto Insurance Deals for Tire Shops
One of the biggest mistakes business owners make is assuming all insurance policies are the same. The reality is that choosing the wrong policy—or overpaying for coverage—can cost thousands. That’s why we help tire shop owners compare multiple options, including:
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Auto insurance deals for small repair shops.
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Deals on auto insurance bundles like liability + property.
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State Farm auto insurance bundle deals that combine commercial auto with liability.
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Flexible policies from top auto dealer insurance companies with proven track records.
Our mission is simple: to secure the best deal on auto insurance without sacrificing protection.
Why Choose Garage Keepers Insurance?
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Industry Expertise – We understand tire shops, alignment services, and auto dealer operations.
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Access to Multiple Providers – Compare offers from leading auto dealer insurance companies.
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Custom Programs – Whether you need independent dealer auto insurance or a full auto dealer insurance program, we tailor coverage for your needs.
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Nationwide Service – From Florida auto dealer insurance to coverage in other states, we’ve got you covered.
At Garage Keepers Insurance, our clients trust us to deliver the best deal for auto insurance, not just a one-size-fits-all plan.
Conclusion – Protect Your Tire Shop Today
Your tire shop or alignment service is more than just a repair facility—it’s your livelihood. With the right insurance, you can focus on growing your business instead of worrying about accidents, liability, or compliance issues.
From auto dealer liability insurance to garage keepers insurance, and from cheap deals on auto insurance to full-service auto dealer insurance coverage, Garage Keepers Insurance is here to protect your business every step of the way.