Loaner Car Insurance for Auto Repair Shops — Protect Your Business with the Right Coverage

When your auto repair shop provides loaner or courtesy cars to customers, you’re offering exceptional service — but you’re also taking on additional risk. Each time a customer drives a loaner vehicle, your business could be held responsible for accidents, damages, or liability claims.
That’s where ISE Insurance Services steps in.

We specialize in garage liability and loaner vehicle insurance programs designed specifically for auto repair and service businesses across AZ, CA, NV, ID, UT, IL, MO, KS, TX, OR, IA, IN, MI, MN, NE, NM, SC, WI, and WY — bringing decades of experience, proven expertise, and exclusive access to programs not available to most agencies.

Why Loaner Vehicles Create Special Insurance Needs

Standard garage liability or garagekeepers policies often do not automatically cover vehicles provided for customer use.
If a customer causes an accident in your loaner car — or injures someone — your shop could face major exposure without the right protection.

Key risks include:

• Customer accident liability while driving a loaner vehicle

• Physical damage to the vehicle or other property

• Injury claims from other drivers or passengers

• Gaps between personal auto policies and business coverage

Without proper insurance in place, these incidents can create uncovered claims that threaten your business and reputation.

Essential Coverages for Shops Offering Loaner Cars

ISE Insurance specializes in combining the right policies to keep your operation fully protected:

1. Garage Liability Insurance – Protects against bodily injury, property damage, and operations-related claims, including customers using your vehicles.

2. Garagekeepers Legal Liability – Covers customers’ vehicles while in your care, custody, or control.

3. Commercial Auto Insurance (Loaner Fleet Coverage) – Provides liability and physical-damage protection for your owned or loaner vehicles.

4. Driver-Other-Car or Customer-Drive-Other-Car Endorsements – Extends protection when customers temporarily use your shop’s vehicle.

5. Hired & Non-Owned Auto Coverage – Covers vehicles you borrow, rent, or use for business purposes.

These coverages work together to close every potential gap that comes with offering loaner or courtesy vehicles.

What Most Shop Owners Miss

Many shop owners assume their garage policy automatically covers loaner cars — until a claim proves otherwise. Others rely on customers’ personal auto policies, not realizing those policies often exclude business-use vehicles.
That’s why a specialized loaner vehicle endorsement or fleet program is critical.

ISE Insurance Services — Experience, Expertise, and Exclusive Programs

For over 30 years, The Team at ISE Insurance Services has insured thousands of automotive service and repair businesses across the country.
We understand the exposures unique to your industry — from mobile diesel repair trucks to full-service auto shops with customer loaner programs.

Through our network of exclusive and semi-exclusive insurance programs, we offer competitive, comprehensive options for qualified businesses in:
AZ, CA, NV, ID, UT, IL, MO, KS, TX, OR, IA, IN, MI, MN, NE, NM, SC, WI, and WY.

Get the Right Protection Before You Hand Over the Keys

Your reputation depends on keeping customers on the road safely — and your business protected from the unexpected.
ISE Insurance Services can help you design a program that fits your specific operations, vehicle count, and budget.

👉 Request a quote today at www.iseinsurance.com
or call us at 888-945-1495  Ext 101 to speak directly with one of our commercial insurance specialists.