Aegis General Insurance Agency offers travel insurance plans under its Go Ready Insurance subsidiary. This provider provides a suite of customizable plans instead of one-size-fits-all plans and coverages.

With Aegis travel insurance, you can choose from single-trip and annual multitrip policies, as well as cruise-specific plans.

Here’s what to know about this travel insurance plan that gives you flexibility starting at a mid-range price.

Through Aegis, you’ll find a handful of travel insurance plan tiers:

The best part about Aegis is its array of coverages and upgrades that let you build a bespoke travel insurance plan. Even if you opt out of the options coverages, Aegis travel insurance plans include what you’d expect from comprehensive policies:

Aegis also offers CFAR coverage, but only as an add-on upgrade to an existing plan purchase. A CFAR upgrade helps you recoup 50%–75% of non-refundable trip costs if you cancel at least 48 hours before your departure.

Based on a seven-day vacation to Mexico from October 1–7, 2026, for a 45-year-old traveler from Illinois, here’s a policy and coverage overview.

Like any other travel insurance plan, Aegis’ policy specifies general exclusions that wouldn’t be covered under its plans. Below are some exclusions that would be covered in the event of a loss:

Based on the data we pulled across multiple insurers for the same traveler profile, the average basic-level coverage was $80.

Aegis’ travel insurance lowest-tier plan, Choice, was priced at $69, cheaper than approximately two-thirds of the plans we compared.

For the same sample trip, Aegis also offers other plans, ranging from $74 for Priority Plus to $94 for the Cruise Plan.

To choose the right plan for your needs, consider where you’re visiting, how you’ll get there, and the activities you’ve planned on your itinerary.

The Cruise plan, for example, can help you access higher coverage limits that might come in handy during a seafaring journey. For example, a $750 per person coverage — versus $250 per person limit under the Priority Plus plan — if you missed your cruise due to a delayed or canceled flight.

Ultimately, deciding which plan makes the most sense for you entirely depends on your personal preferences, risk tolerance, and trip details.

Yes, Aegis travel insurance specialists are available 24 hours a day, seven days a week regardless of your time zone. Their multilingual associates can be reached any time of day at the following phone numbers:

Aegis offers its Stress Less Benefits which help you avoid further disruption to your trip in the event of a covered event. Just call its 24/7 Emergency Assistance Team and they can assist by helping you navigate your plan’s coverages and paying medical and emergency providers upfront.

Each plan has its own list of Stress Less Benefits. For example, with Go Ready Choice, Stress Less is available for trip interruption, medical and dental events, and emergency assistance to name a few.

If you need to file a claim for an event that’s outside of your policy’s Stress Less Benefits, you’ll need to go through the typical claims process. Here’s how:

The biggest advantage of Aegis travel insurance is that you can build a plan that best fits your preferences. If you have an unpredictable work schedule, for example, the Choice plan has an optional Cancel for Work Reasons upgrade.

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Mechanics need business insurance in case the unexpected happens. At minimum, garage owners should have:

Larger operations, mobile mechanics and shops that handle higher-risk work will likely need more coverage. Here are the policies to consider, plus where to start your search for them.

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BoundlessCash Small Business helps you get real-time quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.

We reviewed the top carriers for companies that offer policies tailored for mechanics. BoundlessCash recommends comparing multiple quotes to find the best coverage at the best price.

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Mechanics and garage owners can likely find all the insurance they need at The Hartford. It offers business owner’s policies that combine general liability with property coverage, and garage keepers is available as an add-on. You can also get workers’ compensation and coverage for data breaches or faulty work.

Auto-Owners is only in 26 states. But if you work in one of them, consider its dedicated garage insurance program. It includes garage liability and garage keepers policies, as well as specialized options like mechanics errors and omissions. You can get workers’ comp, commercial property and more as well. Plus, Auto-Owners offers bundling discounts.

Credit rating company AM Best gives Auto-Owners its highest rating possible. It got far fewer complaints about its workers’ comp and commercial auto programs than we’d expect given its size. You’ll need to work with an agent to get coverage. (BoundlessCash has not written a full review of Auto-Owners business insurance.)

For an auto repair shop policy you can buy online in minutes, consider Ergo Next. The carrier has bundled mechanic policies in three coverage levels that include general liability and property coverage. The two higher levels include garage keepers and faulty work coverage.

A business owner’s policy from Nationwide includes equipment breakdown coverage, an uncommon feature. You can also buy garage keepers insurance. Together with a BOP or garage liability, this will cover any damage to your customers’ cars while in your care.

Few businesses face the number of unique risks auto repair shops do. Insurance pays when issues arise so your business doesn’t have to.

Business insurance can help cover costs for the following scenarios:

Garage liability insurance covers bodily injury and property damage to non-employees from your business operations. It also includes coverage for accidents involving customers’ vehicles while in your care. For instance, if a mechanic is moving or driving a customer’s car and causes property damage or injuries to a non-employee, garage liability pays.

A garage liability policy may also include faulty work coverage. Also known as completed-operations liability, this pays for property damage and injuries if you or an employee’s faulty work causes an accident.

Garage liability insurance only pays out to third parties, or non-employees. It doesn’t cover damage to your shop or injuries to your employees. It also excludes damage to your customers’ vehicles — for that, you’ll need garage keepers insurance.

Can mechanics opt for general liability insurance instead?

You may be able to address those issues with a customized general liability policy from some carriers. But whatever route you choose, your liability insurance should cover all of the following. If you’re not sure if a policy does, confirm with the insurer.

This policy covers damage to a customer’s vehicle while it’s in your care. It can come in three different versions for auto mechanics:

For example, all three policies cover vehicle damage that employees cause by test driving or moving customers’ cars on-site. But only direct policies pay for vandalism, hail or an overnight theft, and only a direct primary policy would guarantee payment.

A direct excess policy might not pay to repair damage to a customer’s car, or it may pay only the deductible. It would depend on whether the customer had comprehensive coverage on their personal auto policy.

However, policies typically exclude floods and earthquakes. Additionally, insurance only protects tools and equipment at your business property — mobile mechanics need a separate inland marine policy.

For example, say a grease fire burnt a hole in the side of your auto repair shop. It ruined all the nearby tools, melting their rubber grips into a workbench. Commercial property insurance pays for the repair to the wall and workbench, plus the cost to replace the tools. Business income insurance pays some of your bills and payroll while the shop’s being fixed.

Most states require workers’ compensation if you have employees. But this coverage is critical even if you’re a sole proprietor or mobile mechanic.

For example, say a tool falls from atop an engine while you’re underneath the vehicle. It hits you in the eye and causes a nasty gash on your forehead. Even if you’re self-employed, your health insurance would not cover this claim. But workers’ comp would, including costs for physical or occupational therapy and a portion of lost wages.

Save up to 30% on business insurance

BoundlessCash Small Business helps you get real-time quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.

Insurance carriers often exclude services or otherwise limit the risk they will take on. Mechanics will typically need to purchase a separate policy or buy an endorsement to cover these gaps. Watch out for the following when insuring your auto repair business.

General liability policies cover property damage to non-employees — except when that property is a car you’re working on. If you store cars outdoors in your lot overnight, primary (not legal liability) garage keepers insurance pays out for theft, vandalism or storm damage costs. And if you want to ensure claims from this policy are fulfilled, you may need security measures in place, such as cameras and fencing with a locked gate.

Additionally, some garage and general liability policies for auto shops exclude off-premises operations. Make sure your policies don’t. Or get an endorsement if you work off the business property.

Standard property insurance only covers tools and equipment the business owns. If your shop is like many where mechanics buy and use their own tools, check on an endorsement for employee tool coverage. This way if there’s damage or theft, all the tools are replaced and you’re back in business sooner.

Risk management is usually a suite of services insurers offer a business to improve safety, reduce costs and limit insurance claims. These services can pay off for mechanic shops, given the profession’s high injury rate.

Examples of risk management services include:

If your shop is large, has high employee turnover or handles specialty vehicles, it’s worth asking carriers what services it includes.

Business insurance for mechanics can be relatively affordable, especially if you choose bundled or combined options like a business owner’s policy. Here are some median annual costs for select mechanics policies, according to data shared with BoundlessCash by online brokerage Coverdash:

For example, a towing company with eight trucks and twelve employees that frequently crosses state lines will have higher costs than a sole proprietor. The best way to get a good deal is to compare quotes from multiple companies before you buy your policies.

Follow these steps to assess your risk and compare multiple quotes for the policies your auto repair business needs.

At minimum, you’ll need:

You’ll need workers’ comp if you have employees, but you should also consider it if you’re a sole proprietor. Add commercial auto if you operate vehicles or are a mobile mechanic and specialty endorsements based on your work.

Then, gather all the documentation related to those risks and your business. In addition to business details like address, payroll, revenue and time in operation, you’ll need business vehicle information.

Employers need their federal employer identification number, while sole proprietors need their Social Security number.

To compare multiple policies, there are three common options.

This step is very important for auto repair business owners. Read all policy language for:

Revisit coverage if you add bays, hire employees, open a second location or take on contracts that require higher limits. Outside of that, review your policies annually to ensure they still cover your business fully.

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