Donohoo & Sons Insurance

Insurance built for
shops like yours.

Insurance guidance for auto repair, body shops, and restoration businesses.

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 access to commercial carriers that write automotive-related risks, helping you compare options beyond a generic business policy.

Direct Access

When a customer's vehicle gets damaged on a test drive, or a toolbox goes missing, you want a real person involved quickly. You have my direct cell phone number from day one to claim day, so I can help guide the process and keep communication moving.

Garage-Specific Coverage

Garage Liability

One of the core coverages for many auto repair businesses. Garage liability is designed to respond to certain bodily injury or property damage claims arising from garage operations, subject to policy terms, conditions, exclusions, and limits.

Garagekeepers

Designed to help protect customers' vehicles while they are in your care, custody, or control. Coverage varies based on how the policy is written, including legal liability, direct primary, and direct excess options.

Tools & Equipment

Your shop runs on expensive gear. We review coverage for diagnostic equipment, lifts, shop machinery, and other essential equipment so the limits and policy language better match how your operation actually works.

Workers Comp

Auto repair is physical, hazardous work. Workers compensation insurance can help cover eligible medical expenses and lost wages resulting from work-related injuries, subject to state law and policy provisions.

Commercial Property

Coverage can be structured for the building, equipment, and business personal property against covered causes of loss, subject to policy exclusions, limitations, and deductibles.

Cyber Liability

Modern shops run on data. Cyber liability coverage can help address certain costs associated with data breaches, ransomware incidents, and compromised customer information, depending on the policy selected.

The 5-Minute Shop Audit

Take a quick look at these five important questions to better understand how your shop's insurance may respond.

If a customer's car is stolen from your lot overnight, the way Garagekeepers coverage is written matters. Legal Liability, Direct Primary, and Direct Excess can respond differently. We review that language so you understand how your policy may respond before a claim happens.
Your technicians may invest tens of thousands into their personal toolboxes. Standard property policies often exclude employee-owned tools or include limited sub-limits. We review this exposure so you understand what may or may not be covered.
Modern repair shops rely on expensive diagnostic scanners and specialized equipment. It is important to verify that your limits reflect realistic replacement costs and to understand whether depreciation, sub-limits, or exclusions apply.
If a covered loss shuts down your bays, you may still have rent, payroll, loan payments, and other ongoing expenses. Business Income coverage can vary by policy, including waiting periods, limits, and covered causes of loss.
If you provide courtesy cars or service loaners to customers, they need to be reviewed carefully under the auto portion of the policy. The correct setup depends on ownership, usage, drivers, and carrier underwriting rules.
Request a Policy Review