Mechanics, body shops, and detailers carry a risk most policies miss: customers' cars in your care. Garagekeepers, general liability, tools, and workers' comp — we shop it across carriers for Bay Area talleres. Bilingual agents.
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No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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An auto shop carries a risk almost no other business does: at any moment you have customers' vehicles in your care, custody, and control, and if one is damaged, stolen, or caught in a fire while it is in your shop, you are responsible. That is what garagekeepers coverage is for, and it is the piece a standard business policy leaves out. For mechanics, body shops, detailers, and talleres across the Bay Area, garagekeepers paired with general liability is the foundation, and as an independent broker we shop both across carriers built for the auto-service trade.
From there the rest of the shop's exposure fills in. General liability covers a customer injured on your premises. Tools and equipment coverage protects the lifts, diagnostic gear, and tools your shop runs on. If you have employees turning wrenches, California requires workers' compensation — and the right class codes matter, because auto-shop payroll is rated differently than an office. We build the program around how your shop actually operates, not a generic small-business template.
Covers customers' vehicles in your care if they're damaged, stolen, or caught in a fire at your shop.
Covers a customer injured on your premises and third-party property damage.
Protects the lifts, diagnostic equipment, and tools your shop can't operate without.
Required by California for your crew. Auto-shop class codes are rated specifically — we get them right.
Coverage built for repair shops, body and paint, transmission, tire, and detail businesses.
Proof of coverage for landlords, vendors, and dealer accounts — issued fast.
Auto shops are everywhere across San Jose and the South Bay, and a large share are family-run talleres serving their neighborhoods. They range from a one-bay mechanic to a full body-and-paint operation, and each has a different risk profile — a detailer's exposure is not a transmission shop's, and a tire shop is different again. What they share is that customer cars are on the lot and in the bays every day, which makes garagekeepers coverage non-negotiable and makes getting the policy right genuinely important.
Many of the shop owners running this trade do business in Spanish, and that is exactly who we are built to serve. We explain garagekeepers, where your general liability stops and your garage policy starts, and how your crew's payroll drives workers' comp — in Spanish or English, plainly. Because we are independent, we are not pushing one company's garage program; we shop the market for the coverage that fits a working shop at a price that makes sense.
Our San Jose office at 25 N. 14th St. on the East Side insures mechanics, body shops, detailers, tire shops, and talleres across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and serves Marin shops through our San Rafael office. We set up garagekeepers, liability, tools, and workers' comp, and issue the certificates your landlord or dealer accounts require.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, because so many of the shop owners keeping the Bay Area's cars on the road do business in Spanish.
Walk in or call — we'll shop garagekeepers, liability, and comp across carriers for your shop.