Tire Shop Insurance — Coverage, Cost & Requirements
Tire retailers and installers face unique liability from tire blowouts, wheel mounting errors, and customer vehicle damage. A tire improperly balanced or mounted can cause accidents miles away from the shop — making completed operations liability essential. Shops carrying inventory also need inland marine for tire stock, and those with alignment/rotation services need garage keepers liability.
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What Coverage Does Tire Shop Insurance Include?
Most tire shop businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Garage Keepers
Garage Keepers coverage tailored for tire shop businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Inland Marine
Covers tools, equipment, and goods in transit or at off-site job locations.
Completed Operations
Completed Operations coverage tailored for tire shop businesses.
How Much Does Tire Shop Insurance Cost?
The cost of tire shop 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.
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