Insurance Built For The Way Your Shop Actually Runs
From a single-bay garage in Peoria to a multi-lift shop in Tucson, Smart Options Insurance Agency builds garage liability, garagekeepers and commercial auto coverage around your real risk — not a generic policy.
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Garage Shops Carry Risk Most Policies Don't Cover
A standard business policy usually isn't built for vehicles on your lot, tools in your bays, or a customer's car up on your lift. One gap in coverage can cost more than years of premiums.
Customer Vehicles In Your Care
A fire, theft, or collision damage claim on a customer's vehicle while it's parked, being test-driven, or up on your lift needs garagekeepers coverage — not general liability.
Tools & Diagnostic Equipment
Lifts, diagnostic scanners, and specialty tools represent tens of thousands in equipment. Theft or breakdown can shut down a bay for weeks without the right coverage.
Employees & Test Drives
Injuries on the shop floor and accidents during road tests both create exposure. Workers' comp and garage auto coverage need to work together, not around each other.
We Insure Every Type Of Auto Shop
Whether you run one lift or twelve, work on daily drivers or diesel fleets, we've built policies for shops like yours across Arizona.
Full-Service Auto Repair
Multi-bay shops handling everything from brakes to engine diagnostics.
Auto Body & Paint Shops
Paint booths, dent repair, and collision work bring their own set of risks.
Tire & Alignment Shops
High-volume vehicle turnover means constant exposure on the lot and in the bay.
Diesel & Truck Repair
Heavier vehicles, bigger lifts, and commercial fleet accounts need higher limits.
Classic & Specialty Shops
High-value vehicles in your care need coverage that matches what's on the lift.
Independent Neighborhood Shops
Right-sized coverage for owner-operators building a shop for the long run.
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Here's What Goes On The Ticket For Your Shop
Every shop is different, so your policy shouldn't be off-the-rack. Here's the coverage we typically write up for Arizona garages — and we'll adjust the ticket to match your bays, staff, and equipment.
Proudly Serving Auto Repair Shops Across Arizona
Headquartered in Peoria, we write garage & auto repair shop policies for owners throughout the Phoenix metro and statewide.
Don't see your city? We're licensed statewide — get your free quote no matter where your shop is located.
Why Choose Smart Options Insurance Agency
Independent Agency
We compare top-rated carriers to find the right coverage at the best price — we work for you, not the insurance companies.
Experience That Delivers
For over two decades, we've helped Arizona businesses, including garages and repair shops, protect what matters most.
Personalized Support
We take the time to understand your shop's operations and explain your options clearly — no confusing terms, no pressure.
Multi-State Reach
Licensed in Arizona, California, Indiana, Michigan, Oregon, and Wisconsin, with deep roots serving shops across AZ.
Get Covered In Three Steps
Tell Us About Your Shop
Bay count, staff, equipment, and location — takes about 2 minutes.
We Shop The Market
We compare top-rated garage insurance carriers to find your best fit and price.
Get Covered, Get Back To Work
Review your options with a licensed agent and pick the plan that fits your shop.
"They actually understood what a garage policy needs — garagekeepers, tools, the works. No more guessing if we're covered."Auto Repair Shop Owner, Phoenix Metro Area
Sample testimonial for layout purposes — replace with a real client quote and photo before publishing.
Protect Your Shop Before The Next Claim, Not After
Insurance should give you confidence, not confusion. Our team is here to help you find the right protection — quickly, clearly, and stress-free.