Clear glass, clear coverage.
Garage liability, customers' cars in your care, mobile install vans, glass and film stock, and workers' comp for auto glass and tint shops.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Windshields, adhesives and other people's cars
A windshield is part of the car's structure. If it's set wrong or the urethane doesn't cure before the car leaves, a later crash can turn into a claim against the installer. Tint shops face different trouble: a scratched rear window, damaged defroster lines, or film darker than the rules allow.
Every day you also hold customers' cars, in your bay or on the street for a mobile job. I place garage liability with garagekeepers coverage, commercial auto for the vans, and property for your glass and film.
- Garage liabilityClaims tied to your installs and your shop.
- GaragekeepersCustomers' cars damaged while in your care.
- Commercial autoMobile install vans and trucks.
- Workers' compGlass cuts, lifting and chemical exposure.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Services: glass, chip repair, tint or calibration.
- Mobile work: number of vans and drivers.
- Cars in your care: most vehicles on site at once.
- Stock: value of glass and film on hand.
- Revenue and payroll: annual figures.
- History: current policies and any past claims.
Auto glass insurance, answered
Is a customer's car covered while I work on it?
General liability usually excludes property in your care. Garagekeepers coverage is built for that.
What about camera calibration after a windshield job?
Calibrating safety cameras adds exposure. Tell me if you do it in-house or send it out.
Are mobile jobs covered?
Your liability goes with you, and the van needs commercial auto. Tools in the van may need inland marine.
Does illegal tint create a problem?
Tint that breaks California rules can lead to complaints and disputes. Liability policies don't cover fines.
Do you offer auto glass shop insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your shop details. I'll shop it.
Services, vans and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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(877) 711-4545Answered 24/7 · CA License #4348151
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