Tire Shop Insurance

Affordable coverage for your shop

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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Tire shop insurance designed to protect your business

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

General liability
Professional liability
Garagekeepers liability
Workers’ compensation

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

You can pay for your tire repair shop 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

Pro

General Liability

Bought by most store owners

General liability is often the first type of insurance for tire repair shops that 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 some spilled coffee in the waiting area and breaks their ankle, 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 who hire 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

Garagekeepers Liability

Included with general liability in Pro and Pro Plus

Garagekeepers can help to cover expenses if you damage a customer’s vehicle. If you accidentally scratch a customer’s car, garagekeepers insurance could help cover expenses to repair the vehicle.

garagekeeper liability can help you pay for:

Dents

scratches and dings

Vandalism

Fire or extreme weather

How much does tire store insurance cost?

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

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

Suggestions for tire shop insurance

It can be a good idea for tire 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 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.

Frequently asked questions about business insurance

Here are some of the most common questions we get about new or used tire shop 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 tire shop owners?

Our tire shop liability insurance packages are 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:

Customer injuries

A customer slips on spilled water in the waiting room and sustains a concussion. General liability can help with medical expenses if someone other than an employee gets hurt.**

Damage to vehicles at your shop

An employee backs a customer’s car out of the bay and into a post in the parking lot. Our optional garagekeepers coverage (which can be included with general liability) can help pay for repairs to the customer’s car.

Workplace injuries

An employee’s hand gets caught between a tire and a demounting tool, causing his thumb to be amputated. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention 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