Run a custom tuning or performance upgrade shop in Arkansas? You need more than just basic business insurance. When your shop handles turbo swaps, ECU remaps, custom bodywork, or dyno pulls, standard coverage simply doesn’t suffice. Specialty performance shops face a unique mix of risks — from high-end vehicle damage to liability from track-day prep gone wrong.
That’s where tailored protection steps in. Whether you're fine-tuning muscle cars or giving imports a full custom treatment, you deserve coverage that understands the horsepower under your hood and the liability under your roof— from commercial property insurance to workers' compensation insurance and beyond. At G&G Independent Insurance, we specialize in helping Arkansas auto pros protect their shops with custom-fit coverage. Our local insurance experts make it easy to compare policies from 50+ insurers — so your business stays protected, profitable, and ready to rev at full throttle.
What Is Specialty Performance Shop Insurance?
Specialty performance shop insurance is a type of commercial insurance designed specifically for businesses that work on modified, high-performance, or custom vehicles. We're talking about the shops that go beyond basic oil changes — the ones tuning engines, installing turbo kits, running dyno tests, or crafting custom body builds that turn heads (and burn rubber).
While standard auto repair shop insurance or garage liability insurance in Arkansas covers many general repair shops, it often falls short for performance-focused businesses. Why? Because your risk profile is much different. You're handling higher-value vehicles, working with expensive aftermarket parts, and sometimes test-driving modified cars that behave a little... wildly.
From race-prep work to ECU remapping, these services come with extra risk, and if something goes wrong, the costs can skyrocket fast. That’s why it’s critical to have custom auto shop insurance in Arkansas that’s as specialized as your work.
What Does It Cover?
Custom tuning shops deal with high-speed, high-dollar risks, and that means you need coverage that goes beyond basic. Here's what auto services insurance in Arkansas typically includes:
Garage Liability Insurance
Covers injuries or property damage that happen on your premises or during shop operations. Think: customer slips, busted bumpers during a test drive, or accidental damage.
Garagekeepers Insurance
Protects customer vehicles while they’re in your care — whether you’re tuning, wrapping, or just storing them overnight.
Commercial Property Insurance
Shield your shop's tools, dyno machines, lifts, and even the building itself from damage due to theft, fire, storms, or other covered events.
Completed Operations Coverage
Handles liability if something goes wrong after a vehicle leaves your shop, like a failed turbo install or wiring issue from a custom ECU job.
Errors & Omissions (E&O)
Did a tuning miscalculation lead to engine damage? This coverage helps if your professional advice, service, or tech work causes financial loss or mechanical failure.
Commercial Auto Insurance
Whether you're test-driving a client’s modified Mustang or hauling parts across town, this covers accidents involving shop-owned or used vehicles.
Need help figuring out which coverage fits your shop best? G&G Independent Insurance is here to walk you through it — fast, friendly, and Arkansas-local.
Workers' Compensation Insurance
If one of your employees gets injured while lifting an engine block or working under a vehicle, this coverage helps pay for medical expenses and lost wages, and keeps your shop legally compliant in Arkansas.
Need additional information? Visit the Arkansas Insurance Department.Â
Why You Need Specialty Insurance in Arkansas
Running a custom auto shop in Arkansas means facing unique risks that basic business insurance just can’t handle. From sudden storms that can damage your property to test drives on winding rural roads, your shop deals with hazards that demand tailored coverage.
Performance shops often work on vehicles worth $100,000 or more—think high-end muscle cars, race-ready builds, and heavily modified rides. When you’re handling cars this valuable, the stakes are high. A simple mistake during tuning or an accident on a test drive could lead to costly damages or expensive lawsuits.
Liability risks are especially real for Arkansas shops. Customers expect perfection, and when upgrades or repairs don’t go as planned, legal claims can quickly follow. Specialty insurance helps protect your business assets, your reputation, and your peace of mind so you can focus on delivering the horsepower your clients crave.
How G&G Independent Insurance Can Help
At G&G Independent Insurance, we get the unique needs of custom auto shops and performance tuners in Arkansas. With years of experience providing commercial insurance for auto service businesses, we know what it takes to protect your shop, from garage liability to specialized coverage for tuning and upgrades.
Our local, personalized approach means you get fast, friendly support tailored to the niche risks your business faces every day. Plus, our in-house software shops your insurance needs across 50+ top carriers, so you don’t have to waste time hunting for the best rates.
Whether you’re just starting or looking to upgrade your coverage, G&G can help you get the right protection for your custom auto shop — at a price that makes sense.
What Our Customers Say
Conclusion
Specialty performance shops face unique risks that standard insurance policies often overlook. From high-value custom vehicles to the complexities of tuning and test driving, having tailored coverage is essential to protect your business and your clients. That’s where a local, independent agency like G&G Independent Insurance makes all the difference — offering personalized service and expert guidance specific to Arkansas performance shops.
Need insurance that truly understands your shop? Get a free, fast quote today and drive your business with confidence!
