WHAT COVERAGE DO I NEED?
Answer 4 quick questions and we'll recommend the exact insurance coverages your automotive business needs — with links to learn more and get a quote.
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WHAT TYPE OF BUSINESS DO YOU OPERATE?
Select the option that best describes your business.
FREQUENTLY ASKED QUESTIONS
What insurance does a used car dealer need?
At minimum, a used car dealer needs garage liability insurance, a dealer surety bond, garagekeepers insurance, and dealers open lot coverage. Workers' compensation is required in most states if you have employees. Additional recommended coverages include commercial auto, umbrella liability, and dealers E&O.
What insurance does an auto repair shop need?
Auto repair shops need garage liability insurance and garagekeepers insurance at minimum. Workers' compensation is required in most states for shops with employees. Commercial property insurance protects your building and equipment. General liability may be required by your landlord.
Do I need garagekeepers insurance if I have garage liability?
Yes. Garage liability covers third-party bodily injury and property damage from your operations. Garagekeepers covers customer vehicles in your care, custody, or control. They are separate coverages that protect against different risks.
How much does garage liability insurance cost?
Garage liability insurance typically costs $2,500 to $8,000 per year for small to mid-size operations. Costs vary based on business type, revenue, location, claims history, and number of vehicles. Used car dealers and repair shops generally pay less than tow truck companies or large franchise dealerships.