Auto Shop & Garage Insurance in the Bay Area

Insurance for Bay Area Auto Shops & Dealers

Bay Area shops work on more electric and hybrid vehicles than anywhere else in the country, alongside everything else on the road. Repair shops, EV specialists, body and collision centers and dealers in San Jose, Oakland, Hayward, Fremont, Concord and San Francisco face high repair values, tight lots and steady theft and break-in exposure.


Callidus Insurance Solutions insures auto service businesses and dealers across the Bay Area. We place garage liability, garagekeepers, property and tools, dealer inventory, workers' compensation and dealer bonds, and we turn certificates around fast for landlords and lenders. Already insured? Send us your declarations pages and loss runs 90 days before renewal and we will take your account to market.

Why Bay Area Auto Shops Trust Callidus

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Garage-Specific Knowledge

We understand the critical difference between Garage Liability and Garagekeepers coverage—and why you need both.


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Customized Policies

From independent repair shops to multi-location collision centers and dealer groups, we tailor coverage to your exact operations.

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Claims Expertise

When an incident happens, you need a partner who understands auto claims. We work to get you back to business quickly and fairly.

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One-Stop Shop

We cover all your needs, from your property and tools to your employees and customer vehicles.


Critical Insurance for Your Automotive Business:

  • Garage Liability Insurance: This core policy covers bodily injury and property damage caused by your garage operations. It's essential for covering incidents like a customer slipping in your waiting room or faulty repair work that leads to an accident.
  • Garagekeepers Liability: Protects your customers' vehicles while they are in your care, custody, and control. This covers damage from fire, theft, vandalism, or collision in your shop.
  • Workers' Compensation: Protects your valuable technicians, service writers, and other employees from on-the-job injuries, from a slip on an oil slick to an injury from heavy equipment.
  • Commercial Property & Equipment Breakdown: Insures your building, lifts, diagnostic tools, and other expensive equipment against damage, theft, or mechanical failure.
  • Dealers Open Lot (Dealers Physical Damage): For auto dealers, this is crucial coverage that protects your vehicle inventory from theft or physical damage.
  • Commercial Auto Insurance: Covers your tow trucks, parts runners, and other company-owned vehicles.

Serving All Corners of the Auto Industry:

  • Mechanical Repair Shops
  • Auto Body & Collision Centers
  • Car Dealerships (New & Used)
  • Tire & Lube Shops
  • Transmission Specialists
  • Auto Detailers
  • Towing Operations

Drive Forward with Confidence.

Get Covered Today.

Running a shop or lot in the Bay Area? Send us your current policies and loss runs, and we will shop your business with carriers that know garages.