Auto Service/Body Shops


BizGUARD Plus is the perfect solution for auto services shops because the product has been designed to meet ALL of your business’s insurance needs. From Workers’ Compensation coverage for your injured employees to costs associated with property damage and liability issues to extended protection against catastrophic incidents, has you covered.


BizGUARD features a variety of premium discounts. You may qualify for savings based upon your business’s needs:

  • Past Workers’ Compensation history.
  • Age and condition of your building.
  • Training and experience of your employees.
  • Accessibility of your location by emergency services.
  • and more!

Certified shops with ASE Blue Seal of Excellence, AAA Approved Auto Repair, or I-Card Gold Class designations may be eligible for additional discounts, and most policies can be included in our Workers’ Comp for theSafety Group Dividend Program auto service industry. (The program provides you with an opportunity to earn a return on your insurance premium when the group meets certain premium and loss ratio requirements.)

Cash-Flow Friendly.

To provide our customers with the greatest possible savings, we offer a variety of flexible payment options that are convenient and can help your cash flow.


If you don’t feel your business needs certain coverages or you are seeking a higher level of protection, can still beBizGUARD right for you! We will customize an insurance solution that includes all or a combination of the options found on the reverse side of this brochure.


Berkshire Hathaway GUARD Insurance Companies are rated A+ (“Superior”) by A.M. Best. This grade suggests your insurance coverage is financially secure, claims will be handled fairly and promptly, and you benefit from a level of expertise that is truly second to none in our industry.

Talk with your insurance agent about which of these BizGUARD options are right for you!

Workers’ Compensation

Protects your employees from work-related injuries/illnesses by covering medical expenses and lost wages. Safety resources as well as assistance in setting up a return-to-work program are absolutely FREE with your policy.

Businessowner’s Coverage (Property & Liability)

Protects your building and contents and covers expenses if your business is held liable for harm to another. Protection against loss of business income, employee dishonesty, damage to outdoor property, and more are automatically included with our basic BizGUARD policy. Add-ons and "Plus" coverages are (among others):

  • Car Wash - Damage to Customer Autos
  • Computer Fraud and Funds Transfer
  • Credit Card Slips
  • Damage to Leased Property Caused by Vehicles
  • Data Compromise
  • Defective Products/Faulty Work
  • Employee Benefits Liability
  • Equipment Breakdown
  • Employment-Related Practices Liability
  • Fire Department Service Contract
  • Garagekeepers
  • Garage Liability
  • Hired and Non-Owned Auto Liability
  • Hired Auto Physical Damage
  • Lock Replacement
  • Loss or Damage to Customers’ Autos
  • Money and Securities
  • Ordinance or Law
  • Personal Effects (Including Tools/Equipment)
  • Private Parking Lot
  • Utility Services
  • Water Back-Up and Sump Overflow

Commercial Umbrella Liability

Provides an additional tier of protection, typically extending existing limits as well as your financial security.

Contact a Berkshire Hathaway GUARD insurance agent for more details, including information about our other commercial coverages!