For Auto Dealers, Repair Shops & Towing Companies
We cover the full spectrum — garage liability, garagekeepers, dealer bonds, and more — for every type of dealer and auto shop.
Garage liability insurance is commercial coverage designed for businesses that sell, service, store, or repair motor vehicles. It can address bodily injury, property damage, and products-completed operations arising from covered garage activities. Actual covered losses, exclusions, and limits depend on the policy.
DealerLiability.com is the automotive-insurance specialty of Ellie Insurance Group, an independent Florida agency. For a used car dealership, repair shop, towing business, or body shop, we compare eligible markets to seek the strongest available coverage and quote for the account.
Why choose Ellie? We place coverage with insurers carrying an AM Best Financial Strength Rating of A- or higher (A-/A: Excellent; A+/A++: Superior), with access to 100+ A-rated carriers. The agency—not its insurers—also has a five-star Trusted Choice customer rating. Financial-strength ratings assess insurers, not the agency or the terms of any particular policy; confirm the legal underwriting insurer and current rating on your quote. Compare our carrier markets and review client feedback.
Standard commercial general liability policies often exclude auto-related exposures. A test-drive collision, damage to a customer's vehicle in your care, and a claim following a faulty repair can require different coverage parts, such as garage liability, covered-auto liability, garagekeepers, or completed operations. Dealer licensing, lender, and franchise insurance requirements vary; your policy forms and state rules determine what applies.
Our agency places garage liability insurance for every type of automotive operation across the United States. We serve Florida, Texas, Georgia, North Carolina, South Carolina, Oklahoma, New Mexico, Utah, and additional states through our carrier network. Beyond garage liability, we also place dealers open lot coverage, dealer surety bonds, commercial auto insurance, and workers' compensation — everything an automotive business needs under one agency.
Our team works with garage liability and dealer coverage every day. We strive to return competitive quotes and issue available certificates promptly, subject to carrier underwriting and binding requirements. Call 813-582-5215 to discuss your operation.
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.
We offer every coverage your automotive business needs, bundled into one convenient program.
Core coverage for bodily injury and property damage arising from your garage operations — required by most state DMVs and lenders for licensed automotive businesses.
Protects your vehicle inventory against fire, theft, vandalism, and weather damage while vehicles are on your lot.
Covers customer vehicles in your care, custody, or control — essential for repair shops, body shops, and service centers.
Tailored insurance for auto repair shops, body shops, and service centers including products-completed operations coverage.
Coverage for wrecker operators, recovery trucks, and tow yard operators including on-hook and storage coverage.
Complete dealership insurance programs for new car, used car, RV, motorcycle, boat, and specialty vehicle dealers.
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.
Click any zone of our interactive dealership scene to discover what coverage applies — from the service bay to the vehicle lot to the tow truck out back. Includes cross-sell coverages like Commercial Auto, General Liability, and Commercial Property that most dealers overlook.
We're not captive to one carrier. We shop the market to find the best coverage at the best price for your specific business.
We work with 100+ A-rated carriers, so we can compare options and find the right fit for your business — not just what one company offers.
Our team works with automotive businesses every day. We understand garage liability, garagekeepers, dealers open lot, and all the coverages your business needs.
Get a quote quickly and coverage in place fast. We handle certificates, claims support, and policy changes with the urgency your business demands.
Already a client? Access all your policy services in one place — powered by Ellie Insurance Group.
In 60 seconds, learn what garage liability covers, who needs it, and how it protects your dealership or repair shop from the claims that put businesses out of operation.
Premises Liability
Customer slips on your lot, trips in your showroom, or is injured by falling equipment
Auto Operations
Test drives, vehicle deliveries, lot movements, and customer loaner cars
Completed Operations
Faulty repair causes an accident after the customer leaves your shop
Products Liability
Parts you sold or installed fail and cause injury or damage to a third party
One policy replaces your GL + commercial auto — saving 15-30% vs. separate policies
Expert guides on garage liability, garagekeepers, dealer bonds, and more — written for automotive business owners.
A solo test drive is not an automatic transfer of risk. Learn how dealers can check liability and false-pretense coverage, comply with dealer-plate rules, and control every vehicle and key from release to return.
Dealer plate insurance is not a separate policy that automatically follows a tag. Learn how garage liability, covered drivers, permitted uses, state rules, and plate controls work together.
Test drive accidents can expose an auto dealer to major liability. This guide reviews whose coverage may apply, accompanied versus unaccompanied drives, negligent entrustment, and practical risk controls.
Get a customized garage liability insurance quote from an independent agency that focuses on automotive businesses.
