Specialty Coverage for Repair Shops, Dealers & Service Centers
Garage risks come with unique challenges — from liability while test-driving a customer’s car to property damage while it’s on the lift. We help independent agents place garage & auto service risks that don’t qualify for standard markets.
Our program is designed for
auto repair shops, body shops, and used car dealers needing
garage liability,
garagekeepers, or
dealer’s open lot coverage through surplus lines carriers.
Coverages Available
Garage Liability
Protects against claims from operations and driving customer vehicles
Garagekeepers Coverage
Physical damage to customers’ vehicles in your care
Dealer’s Open Lot
Protection for inventory vehicles (used car lots)
Property Coverage
Tools, buildings, lifts, diagnostic equipment
General Liability
Premises exposure for slips, trips, and falls
Excess Liability
Available for operations needing additional protection
FAQs
What’s the difference between garage liability and garagekeepers?
Garage liability covers bodily injury or property damage caused during operations (like a tech crashing a customer’s car). Garagekeepers covers physical damage to a customer’s car while in your care (like a fire, theft, or collision in the shop).
Can you write just the garage liability?
In some cases, yes — but full submissions with garagekeepers and property are more competitive with most carriers.
What info do you need to quote a used car dealer?
We’ll need details on inventory value, lot protection, test drive procedures, and a completed garage app with loss runs, if available.
