Garage & Dealer Insurance

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Rates Starting at $1,500/yr

Used car dealers and auto repair shops move a lot of vehicles on a daily basis. Any number of accidents can happen causing injury to workers and physical damage to vehicles. Working with an A.M. Best “A” rated used car dealer and auto repair shop insurance carrier, CityScape meets the demand head-on. Contact our specialists today to learn more about our coverage options!

Proudly Serving

Arizona | Colorado | Florida | New Mexico | Texas

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(602) 888-1732

Auto Repair | Boat Repair | Car Dealerships | Heavy Truck Repair | Motorcycle/ATV/RV Repair | Tire Shops

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Atlantic Casualty Insurance
Colony Insurance
Endurance Specialty Insurance
Hallmark Specialty
Scottsdale Insurance

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
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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.

Coverage Details & Highlights

  • Additional insureds and waiver of subrogation available
  • Broad form products
  • Broad range of deductibles available
  • Cyber liability
  • Dealer’s E&O liability
  • Drive other car coverage
  • Excess limits available
  • Employment Practices Liability Insurance
  • Fire legal liability
  • Garage property and scheduled auto packages available
  • Monoline Dealer’s Open Lot and Garagekeepers policies available
  • On Hook Towing coverage available
  • Package property insurance coverage available
  • Pollution coverage available
  • Work Comp available
  • Additional coverage options available, speak with an agent today

CityScape Insurance, LLC | Copyright 2020

www.cityscapeinsurance.com

(602) 888-1732 | info@cityscapeinsurance.com

AZ Lic # 1800011010 | ​CO: 598458 | FL Lic # W519333 | NM Lic # 1800012011 | TX Lic # 1995214