Auto Parts Store Insurance

Shift your business into high gear.

Choose your primary coverage to get started:

General Liability

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Garagekeepers Liability

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Workers' Compensation

Commercial Property

Other Coverages

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Auto parts store coverage made to fit your business

NEXT’s car parts store insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged or stolen inventory. Our insurance packages typically include:

General liability
Commercial property
Workers’ compensation

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for auto parts shops.

General Liability

Bought by most store owners

General liability is often the first type of coverage auto part store owners buy. General liability is intended to provide coverage for accidental injury or damage to other people or their property. For example, if a customer slips on a slick floor and breaks their wrist, your insurance could help pay for emergency treatment and medical costs. Note that this is an example and may not reflect the terms of your specific policy. It’s always a good idea to refer to the coverage details in your own policy.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Workers’ Compensation

For business owners with employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. Depending on your state, it might be required if you have a certain number of employees. You can add business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners with inventory

Commercial property insurance helps to cover some of the inventory, gear and equipment you own or rent to run your car part store. If a pipe bursts in your shop and ruins your inventory, property insurance could help with the cost of replacing your goods (depending on your coverage details).

commercial property can help you pay for:

Damaged equipment and inventory

Lost income (due to property damage)

Operating expenses

Bundle two or more of our policies and save up to 10%

You can pay for your auto parts store insurance monthly or annually and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does car part shop insurance cost?

You could save money if you buy auto parts shop insurance with NEXT. The exact amount you pay will depend on:

The types of car parts you sell
Where your business is located
The amount and value of equipment at your shop
If you bundle more than one type of coverage

Suggested auto parts store insurance

It can be a good idea for auto part shops to have insurance due to the risk of injury and property damage. You might want to get insurance in order to:

Lease or purchase a shop. Landlords and banks may require general liability, and it protects your inventory, equipment and even the building that you lease or own.
Defend your business. Insurance can help defend you if you are sued.
Repair or replace property you own or rent. Cover your equipment, inventory and the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about auto supply parts store insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect auto parts store owners?

Our auto parts store liability coverage is designed to protect your business from a variety of risks and help you save money to grow your business. It can help protect you from financial losses related to:

Damage to someone’s property

A shopping cart from the market next door hits a customer’s car in your parking lot. General liability coverage gives you financial protection if you are held responsible for damaging property.**

Customer injuries

A customer trips over some oil that was spilled on the ground and slips, injuring their back. General liability can help with medical expenses if a customer or guest gets hurt.

Damage to your own property

Thieves break into your store and steal your inventory. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire or theft.

Workplace injuries

An employee gets his finger caught in a gear pulley and needs surgery. Workers’ compensation coverage can help cover medical bills and lost wages. It’s usually required by law if you have employees.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Auto Body Shop, Auto Parts Store, Auto Repair Shop, Car Wash, Oil Change Station, Tire Shop