CCalvo InsuranceCalifornia

Insurance for Auto Repair Shops in California

Get a QuoteCall (951) 383-3000
Javier Calvo, commercial insurance agent in Murrieta, California

Your agent: Javier Calvo

  • Licensed California agent — CA License #0L69621
  • Hablamos español / Bilingual service
  • Local office in Murrieta, CA
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An auto repair shop combines a busy workplace, expensive equipment and other people's vehicles on the premises. A technician is hurt under a lift. A fire damages the shop and everything in it. An employee is in an accident on a test drive or a parts run.

We insure California auto repair shops with three coverages: Business Owners Policy, Workers' Compensation and Commercial Auto. We'll match them to your shop, your crew and your vehicles — in English or Spanish.

How our three coverages fit

  • Business Owners Policy

    A Business Owners Policy can help cover your shop equipment, tools and liability to customers, plus lost income while you're closed after a covered loss, depending on the policy.

    See coverage

  • Workers' Compensation

    Shop work is physical and injuries happen. California generally requires workers' comp for businesses with employees, and it can help cover medical care and lost wages when a technician is hurt.

    See coverage

  • Commercial Auto Insurance

    Shop-owned vehicles used for parts runs, towing or customer shuttles usually need commercial auto — personal policies often exclude business use.

    See coverage

Common questions

Are customer vehicles in my shop covered?
Customer vehicles in your care are a special exposure often called garagekeepers coverage. Tell us how your shop operates and we'll review what fits your situation.
Do I need workers' comp for my technicians?
California generally requires workers' compensation from your first employee. Shop work carries real injury risk, so it's one of the first coverages we set up.
What if an employee has an accident on a test drive?
Test drives and parts runs are exactly the situations commercial auto is written for. We'll go through how your shop uses vehicles so the policy matches.
Can I get a quote in Spanish?
Yes. Our agency is fully bilingual — your quote, paperwork and questions are handled in English or Spanish, whichever you prefer.

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10 years serving California businesses, bilingual service, no obligation.