GARAGE LIABILITY
INSURANCE
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.
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 by most state DMVs and lenders for licensed automotive businesses.
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.
EXPLORE EVERY COVERAGE YOUR DEALERSHIP NEEDS
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.
Why Dealers & Repair Shops Choose DealerLiability.com
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 hundreds of 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.
Garage Liability Insurance FAQ
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Get a customized garage liability insurance quote from an independent agency that focuses on automotive businesses.