GARAGE LIABILITY INSURANCE
FOR DEALERS & GARAGES
Auto dealerships, repair shops, towing companies, and garages have unique risks that general liability doesn't cover. We focus on garage liability — the right coverage for your automotive business.
Industry Associations & Lending Partners
General Liability Isn't Enough for Automotive Businesses
Standard general liability insurance excludes many of the risks that automotive businesses face every day. If a customer slips on a grease spill, if an employee damages a vehicle during a test drive, or if a faulty repair causes an accident — general liability won't cover it.
Garage liability insurance is specifically designed for businesses that sell, service, store, or repair vehicles. It covers your premises liability, products-completed operations, and the unique exposures of automotive operations.
Complete Garage & Dealer Insurance Programs
We offer every coverage your automotive business needs, bundled into one convenient program.
Garage Liability
Core coverage for bodily injury and property damage arising from your garage operations — required for virtually every automotive business.
Dealers Open Lot
Protects your vehicle inventory against fire, theft, vandalism, and weather damage while vehicles are on your lot.
Garagekeepers Legal Liability
Covers customer vehicles in your care, custody, or control — essential for repair shops, body shops, and service centers.
Repair Shop Coverage
Tailored insurance for auto repair shops, body shops, and service centers including products-completed operations coverage.
Tow Truck Insurance
Coverage for wrecker operators, recovery trucks, and tow yard operators including on-hook and storage coverage.
Auto Dealer Insurance
Complete dealership insurance programs for new car, used car, RV, motorcycle, boat, and specialty vehicle dealers.
We Cover Every Type of Automotive Business
Tow Truck & Wrecker Insurance
Towing operations require more than basic auto insurance. Florida law mandates specific coverage levels for tow trucks based on vehicle weight. We help you meet all state requirements while protecting your business, drivers, and the vehicles you tow.
The Independent Agency Advantage
We're not captive to one carrier. We shop the market to find the best coverage at the best price for your specific business.
Independent Agency
We work with 15+ top-rated carriers, so we can compare options and find the right fit for your business — not just what one company offers.
Garage & Dealer Specialists
We focus exclusively on automotive businesses. We understand garage liability, garagekeepers, dealers open lot, and all the coverages your business needs.
Fast, Responsive Service
Get a quote quickly and coverage in place fast. We handle certificates, claims support, and policy changes with the urgency your business demands.
WHAT OUR CLIENTS SAY
"DealerLiability.com found us a comprehensive garage liability program that covered our entire used car dealership operation — lot coverage, test drives, the works. Incredibly knowledgeable and professional."
"We had been overpaying for years with a general agent who didn't understand dealer insurance. They shopped 10+ carriers and saved us over $3,000 while actually improving our coverage. Highly recommend."
"As a tow truck operator, finding the right insurance is complicated. They handled everything, made sure we met Texas state requirements, and got us on-hook coverage at a great rate."
"I was opening a new motorcycle dealership and had no idea what coverage I needed. They walked me through every policy — garage liability, garagekeepers, dealers open lot — and built a complete package."
"Fast quotes, clear explanations, and they actually picked up the phone when I called. In the insurance world that's rare. They've been handling our body shop's coverage for 3 years now."
"Our RV dealership had very specific needs with a large lot and service department. They found a carrier that understood our operation and gave us the best rate we've seen in 10 years."
Garage Liability Insurance FAQ
Ready to Protect Your Business?
Get a customized garage liability insurance quote from an independent agency that focuses on automotive businesses.