Auto Parts Store Insurance — Coverage, Cost & Requirements
Commercial insurance for auto parts retailers and counter stores. Product liability coverage is critical since faulty parts can cause vehicle accidents — creating significant downstream claims. Also covers customer injuries in warehouse-style retail environments, hazardous material spills from fluids, and high-value inventory theft.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
What Coverage Does Auto Parts Store Insurance Include?
Most auto parts store businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Crime
Covers theft, employee dishonesty, forgery, and fraud-related losses.
Environmental Liability
Environmental Liability coverage tailored for auto parts store businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
How Much Does Auto Parts Store Insurance Cost?
The cost of auto parts store insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
Get Covered Now — It Takes 10 Minutes
NEXT Insurance lets you get a quote, buy a policy, and download your certificate of insurance entirely online. No agent calls required. Backed by Munich Re's A+ AM Best rating.
Want us to text you the link instead?
SMS only. No spam. Reply STOP to opt out.
Frequently Asked Questions
Related Coverage
Retail Store Insurance
Coverage breakdown and costs for retail store businesses.
Auto Dealer Insurance
Coverage breakdown and costs for auto dealer businesses.
E-Commerce Business Insurance
Coverage breakdown and costs for e-commerce business businesses.
Convenience Store Insurance
Coverage breakdown and costs for convenience store businesses.
Florist & Flower Shop Insurance
Coverage breakdown and costs for florist & flower shop businesses.
Grocery Store & Supermarket Insurance
Coverage breakdown and costs for grocery store & supermarket businesses.