Additional Markets Include: MESA Underwriters, National Indemnity, Northfield Travelers, Western Heritage, Zurich

Industries We Serve

• Alarm, Stereo And Acc Sales & Installation
• ATV Sales And Service
• Auto Auctions
• Auto Pawns
• Boat Sales And Service
• Brake Shops
• Classic Car Restoration

• Construction Equipment Dealers
• Detailing
• Fuel Conversion
• Full Service Car Wash
• Heavy Truck & Trailer Sales/Service
• Lift Kit Installation
• Mobile Mechanic Services

• Motorcycle Sales And Service
• Muffler Shops
• New And Used Auto Dealers
• Oil And Lube Shops
• Paint And Body Shops
• RV Dealers
• Salvage Yards

• Service And Repair Garages
• Storage Facilities
• Tire Dealers
• Trailer Sales And Service
• Valet Parking And Parking Lot Operations
• Windshield Repair Or Replacement
• Not Listed? Give Us A Call

Coverage Details & Highlights

• Additional Insureds & Waiver of Subrogation
• Broad Form Pproducts
• Broad Range of Deductibles Available
• Dealer’s E&O Liability
• Drive Other Car Coverage
• Excess Liability
• Employment Practices Liability Insurance

• Fire Legal Liability
• Monoline Dealer’s Open Lot and Garagekeepers policies available
• On Hook Towing Coverage
• Package Property Coverage
• Pollution Liability Coverage
• Workers Compensation Coverage
• Additional coverage options available, speak with an agent today

What is Garage Liability Insurance?

Garage Liability Insurance coveres the legal liability of franchised and non-franchised automobile, truck, truck-tractor, motorcycle, recreational vehicle, and trailer dealers for claims of bodily injury (BI) and property damage (PD) arising out of business operations. It includes two separate insuring agreements, "who is an insured" provisions, and "limit of insurance" provisions—one dealing with garage operations involving the ownership, maintenance, or use of autos and the other dealing with all other garage operations.

What Is Garagekeepers Insurance?

Garagekeepers Insurance coverage provided under a garage policy for auto and trailer dealers, particularly those dealers that maintain a service department or body shop, for liability exposures with respect to damage to a customer's auto or auto equipment that has been left in the dealer's care, custody, or control for service or repair.

Garagekeepers coverage options:

• Legal Liability - This is the most common. The protection applies to a customer’s vehicle damaged due to the insured’s negligence – such as the mechanic wrecked the customer’s car while test driving it or the customer’s vehicle was left unlocked and unattended after hours.
• Direct Primary - This form covers the customer’s vehicles regardless of liability. In a loss caused by no action of the insured such as a weather loss, or a theft although the vehicle was adequately protected, the direct primary garagekeepers pays.
• Direct Excess - This is the rarest option, although it’s the best. The form affords protection to an insured for the loss to a customer’s vehicle regardless of liability, just as direct primary does. The difference is in the event of the insured having no liability, the form will only pay in excess of any other collectible insurance.