Running an auto parts store means more than just selling replacement parts—it means managing inventory, handling flammable materials, and helping customers get back on the road. At InsurSmart, we offer tailored Auto Parts Store Insurance solutions as part of our comprehensive Garage & Dealer Insurance program.
We help you protect your shop, your stock, your employees—and your bottom line.
Why Do Auto Parts Stores Need Specialized Insurance?
Auto parts stores face a unique set of risks that standard retail insurance doesn’t fully address. These include:
- High-value inventory that’s prone to theft or fire
- On-site accidents or customer injuries
- Liability for selling defective or mislabeled products
- Employee safety risks when handling heavy or hazardous items
- Property damage from fire, storms, or break-ins
That’s why you need a policy designed specifically for the auto parts and automotive supply industry.
What Does Auto Parts Store Insurance Cover?
Our tailored coverage options may include:
- General Liability Insurance
Covers bodily injury and property damage on your premises - Commercial Property Insurance
Protects your building, inventory, equipment, and displays - Product Liability Coverage
Covers damages if a part you sell causes injury or fails in use - Business Interruption Insurance
Replaces income lost due to a covered event like fire or storm damage - Crime & Theft Insurance
Covers employee dishonesty, burglary, and vandalism - Workers’ Compensation
Required in most states; covers medical expenses for injured employees - Garage Liability / Garagekeepers Insurance (if applicable)
Needed if you install parts or have customer vehicles on-site
Who Needs Auto Parts Store Insurance?
Our policies are ideal for:
- Independent auto parts retailers
- Chain/franchise auto parts stores
- Stores selling new, rebuilt, or performance parts
- Shops that offer limited installation or diagnostic services
- Locations with walk-in traffic or commercial accounts
Whether you sell spark plugs or suspension kits, our plans are built for you.
Why Choose InsurSmart?
At InsurSmart, we understand the auto industry inside and out. We make it easy to find affordable, smart coverage with:
✅ Quotes from top-rated garage and dealer insurance carriers
✅ Custom packages tailored to your store size and risk level
✅ Licensed agents who speak your language—no fluff, just facts
✅ Fast, no-obligation quotes with transparent pricing
Get a Quote for Your Auto Parts Store Today
Don’t let one accident or product issue stall your business. Get the protection your store needs with a policy built for auto parts retailers.
Click below to get your free quote today or call us at (513) 779-7920 to speak with a Garage & Dealer Insurance expert.
