Built for Shops That Do It All
Specialized Coverage for NY Mechanics & Repair Shops
We’ll help you cover every area of risk—from damage during service to parts theft or garage equipment failure—without overcomplicating your policy.
Standard policies typically include:
- Garagekeepers liability for customer vehicles in your care
- General liability for slips, falls, and property damage
- Business property for lifts, tools, and shop equipment
- Coverage for employee injuries or work-related illness
- Optional towing liability if you offer roadside pickup
What You Can Expect from W.J. Farmer
Practical Coverage for Busy Shops
We know your shop doesn’t shut down for insurance questions—and we won’t keep you waiting when you need proof of coverage or help with a claim.
You’ll get:
- Fast COIs for lenders, landlords, or vendor partnerships
- Guidance on insuring employee tools and shop upgrades
- Flexible options for seasonal operations or part-time workers
- Claims support when equipment fails or damage occurs
- Access to affordable carriers that specialize in garage risks
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Add Protection for What Makes Your Shop Tick
Custom Add-Ons for Garage Environments
Your standard policy may not cover key equipment, client disputes, or data loss. These extras can help keep your business on track.