Donohoo & Sons Insurance

Insurance built for
shops like yours.

Sophisticated risk management for auto repair, body shops, and restoration experts.

Industry Knowledge

Before founding Donohoo & Sons, I spent 20 years at Sentry Insurance protecting large auto dealership groups and complex commercial operations. I understand how repair shops actually run and the unique liabilities that come with the work your team does every day.

Specialized Markets

Auto repair isn't a cookie-cutter business. As an independent advisor, I have direct access to top-rated commercial carriers that specialize specifically in the automotive industry, ensuring you don't pay for generic coverage that leaves dangerous gaps.

Direct Access

When a customer's vehicle gets damaged on a test drive, or a tool box goes missing, you don't have time to navigate a 1-800 number. You have my direct cell phone number from day one to claim day. I am in your corner when you need answers fast.

Garage-Specific Coverage

Garage Liability

One of the core protections for your shop. This covers bodily injury or property damage resulting from your garage operations, including accidents during test drives and day-to-day business activity.

Garagekeepers

Protects customers' vehicles while they are in your care, custody, or control. Whether a vehicle is damaged in the shop, on the lot, or during overnight storage, this is a critical part of a properly built garage policy.

Tools & Equipment

Your shop runs on expensive gear. We structure property coverage to protect diagnostic equipment, lifts, shop machinery, and other essential equipment that keeps your operation moving.

Workers Comp

Auto repair is physical, hazardous work. Protect your technicians and your bottom line by covering medical costs and lost wages for work-related injuries in the bay.

Commercial Property

Protecting the physical structure of your shop, the heavy equipment bolted to the floor, and your office assets against fire, severe weather, and unforeseen disasters.

Cyber Liability

Modern shops run on data. We protect your business from the financial fallout of data breaches, ransomware targeting your diagnostic software, and compromised customer payment information.

The 5-Minute Shop Audit

Take a quick look at these five essential questions to ensure your shop has the comprehensive protection it deserves.

If a customer's car is stolen from your lot overnight, standard "Legal Liability" might not cover it if you took reasonable security measures. "Direct Primary" coverage ensures the customer's vehicle is replaced regardless of who is at fault, protecting your shop's reputation.
Your technicians invest tens of thousands into their personal toolboxes. Standard property policies often exclude employee-owned tools or only offer minimal sub-limits. A robust policy ensures their livelihood is protected in the event of a fire or break-in.
Modern repair shops rely on expensive diagnostic scanners and specialized equipment. It's crucial to verify that your policy's maximum limits accurately reflect the true replacement cost of today's high-tech gear, without hidden depreciation clauses.
If a fire shuts down your bays, you still have to pay the mortgage and your key staff. Many policies have a 72-hour waiting period before Business Income coverage starts. We structure policies to minimize downtime impact so your revenue stream stays strong.
If you provide courtesy cars or service loaners to customers, standard Garage Liability isn't enough. You need specific Owned Auto or Fleet coverage to ensure your business is fully protected while customers are driving your vehicles off the lot.
Review My Shop's Policy