Commercial Insurance
Auto Service & Garages insurance.
Coverage built for the shop that keeps Western New York moving.
Who we cover
You keep WNY on the road through pothole season, salt-belt rust, and the first hard freeze in October. While you are doing that, your shop is full of other people's vehicles, expensive equipment, and customers walking across a busy lot. A repair shop, body shop, detailer, or dealership carries risks a standard business policy was never built to handle. Willoughby works with local garage owners to put together coverage that actually fits how your business runs, day in and day out.
Risks we see in WNY
- A customer's car is damaged, stolen, or burned while in your care for service
- A vehicle on your lot slides on ice or rolls and hits another car or a person
- A lift, hoist, or equipment failure injures a tech or damages a vehicle
- Slip-and-fall on a snowy or salt-slick lot in a Buffalo winter
- A test drive or a tech moving a customer's car causes an accident
- Fire from welding, paint booths, solvents, oily rags, or stored chemicals
- Faulty repair work leads to a breakdown or accident the customer blames on you
- Theft of tools, parts, catalytic converters, or vehicle inventory after hours
Coverage that fits
What auto service & garages typically need.
A starting point, not a checklist. We tailor the right mix to your actual operation.
Garage Liability
Covers bodily injury and property damage tied to your garage operations, including incidents during test drives and while moving customer vehicles.
Garagekeepers Coverage
Pays for damage to a customer's vehicle while it is in your care for service, storage, or repair, including fire, theft, vandalism, and collision.
Commercial Property
Protects your building, lifts, diagnostic equipment, tools, parts inventory, and paint booths from fire, theft, and other covered losses.
Workers' Compensation
Required in New York and covers medical bills and lost wages when a tech is hurt on the job, a real exposure around lifts, hoists, and heavy parts.
Commercial Auto
Covers vehicles your business owns or uses, such as tow trucks, parts runners, loaners, and shuttle vehicles.
Garage Pollution / Environmental
Addresses cleanup and liability tied to oil, solvents, refrigerants, and other chemicals common in auto service work.
The Willoughby difference
One agent. Many markets. Your side of the table.
Willoughby is an independent, family-owned WNY agency serving the area since 1952, so we shop many carriers, including The Hartford, Hanover, and Security Mutual, to match your shop with the right fit instead of selling one company's product. You talk to a local agent who knows Western New York garages, not a call center.
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and more through our agency network.