Oil Change Station Insurance

Keep your business running smoothly

Choose your primary coverage to get started:

General Liability

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Garagekeepers

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Workers' Compensation

Commercial Property

Other Coverages

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Oil change business insurance designed for your business

NEXT’s oil & lube shop insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Garagekeepers liability
Faulty work
Hired and non-owned auto
Commercial property

Get the oil change station business insurance that’s just the right fit

We offer customized oil change station insurance policies to small businesses and the self-employed. Oh, and you save up to 10% when you bundle two or more policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability can provide coverage for some accidents that could happen at your oil change station. 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 spilled oil in your shop and breaks their arm, general liability could help pay for medical fees.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Hired and Non-Owned Auto

For businesses that use rented or employee-owned vehicles for work

Hired and non-owned auto insurance is essential to make sure you and your employees are covered whenever you are behind the wheel. Add HNOA coverage to a commercial auto policy for coverage when you or your employees drive a rented vehicle. It can also provide protection if an employee sometimes uses a personal vehicle for work.

commercial auto can help you pay for:

You need to use rental or employee-owned vehicles

Someone’s property is damaged by your rental or employee-owned vehicle

You have to defend a lawsuit or pay a legal judgment related to rental or employee-owned vehicle accidents

Commercial Property

For business owners with expensive equipment

Commercial property insurance helps to cover the inventory, gear and equipment you own or rent to run your shop. If thieves break into your shop and steal your tools, property insurance can help with the cost of replacing it.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income (due to property damage)

Operating expenses (due to property damage)

Faulty Work

Coverage for professional mistakes

Faulty work insurance can help to provide coverage if you are accused of performing defective work. Faulty work coverage could help to cover any defense costs if a customer wants to sue because you put the wrong type of oil in their car and ruined the engine.

faulty work can help you pay for:

Defective work

Legal defense costs

Garagekeepers Liability

Included with general liability in Premier and Deluxe

Garagekeepers insurance can help to cover expenses if you damage a customer’s vehicle. If you accidentally scratch a car’s paint job while changing the oil, it could help cover expenses to repair the vehicle.

garagekeeper liability can help you pay for:

Dents and scratches

Vandalism

Fire or extreme weather

You can save up to 25% in discounts on Oil Change Station Insurance

You can pay for your insurance monthly or annually and you can cancel instantly 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 oil changing services insurance cost?

You could save money if you buy oil change service insurance with NEXT. The exact amount you pay will depend on:

The types of services you offer
Where your business is located
The amount and value of equipment at your shop
If you have any shop certifications
If you bundle more than one type of coverage

Learn more about oil change station insurance costs and coverage.

Suggestions for oil change station insurance

It can be a good idea for oil changers 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 bay or shop. Property owners and banks may require proof of general liability insurance before you can open a shop.
Protect your customers’ vehicles. Garagekeepers insurance can help if a customer’s vehicle is damaged while under your care.
Defend your business. Insurance can help defend you if you are sued.
Drive customers’ cars. Hired & non-owned auto coverage offers liability protection if you take a customer’s car off the premises for a test drive.

Repair or replace property you own or rent. Protect 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 insurance for oil change businesses. 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 oil change station owners?

Our oil change station insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

A pan of dirty oil accidentally gets tipped into a customer’s trunk, ruining the interior. General liability coverage can help you pay for detailing and repair costs.**

Customer injuries

A customer trips over a tool left in the waiting area and badly twists an ankle. General liability helps to keep your business protected if someone other than an employee gets hurt.

Damage to vehicles at your shop

An oil drain falls over and dents the side panel of a customer’s car. Our optional garagekeepers coverage (which can be included with general liability) can help pay for repairs to the customer’s car.

Professional mistakes

A customer claims you over-tightened the oil cap and now it leaks. Faulty work insurance could help to defend you against the claim.

Damage to customers’ cars off the premises

Your employee takes a customer’s car for a test drive and accidentally rear-ends another car on the road. Hired & non-owned auto (HNOA) coverage can be added to a commercial auto policy for liability coverage when you or your employees drive a customer’s vehicle.

Damage to your own property

A fire breaks out in your shop and destroys your tools and 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 vandalism.

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.

We specialize in insurance for auto service and repair trades

Choose your line of work to find out more

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

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.