Florida Garage Liability Insurance
For Auto Dealers, Repair Shops & Towing Companies
Florida's automotive industry is one of the largest in the country — and one of the most regulated. Whether you operate a used car dealership in Tampa, a repair shop in Orlando, or a towing company in Miami, Florida law and lender requirements demand specific insurance coverages that standard general liability simply does not provide. Garage liability insurance is the foundation of every automotive business insurance program in Florida, covering bodily injury, property damage, and the unique exposures of businesses that sell, service, or store vehicles.
Complete Florida Automotive Insurance
We build complete insurance programs for Florida automotive businesses — not just a single policy. Every coverage your dealership, repair shop, or towing company needs, from one independent agency that shops 15+ carriers.
Get a Florida Quote
Fast quotes from 15+ top-rated carriers. agents focused on Florida garage liability.
Start My Quote →📞 813-582-5215Ellie Insurance Group is licensed in Florida (Agency License #L118383) and focuses on garage liability insurance for Florida automotive businesses. We work with 15+ A-rated carriers to find the right coverage at the best rate.
Florida Tow Truck Insurance Requirements
Florida is a no-fault state, meaning Personal Injury Protection (PIP) pays first before uninsured motorist coverage applies. Tow truck operators should also consider Uninsured/Underinsured Motorist Coverage, Medical Payments, Customer Contents Coverage, and Physical Damage Coverage for their fleet. Non-consent towing operators face additional regulatory requirements from FDOT.
| Vehicle Type | Minimum Liability | On-Hook / Cargo Min. |
|---|---|---|
| Light Duty (under 10,000 lbs GVW) | $125,000 per person / $250,000 per occurrence / $50,000 property damage | $50,000 per occurrence |
| Medium Duty (10,001–26,000 lbs GVW) | $250,000 per person / $500,000 per occurrence / $100,000 property damage | $50,000 per occurrence |
| Heavy Duty (over 26,000 lbs GVW) | $500,000 per person / $1,000,000 per occurrence / $100,000 property damage | $50,000 per occurrence |
* State minimums are the legal floor — not the recommended coverage level. Work with a licensed agent to determine appropriate limits for your operation.
Florida Automotive Businesses We Insure
Florida Garage Liability FAQ
Other States We Serve
Ready to Protect Your Florida Business?
Get a customized Florida garage liability insurance quote from an independent agency licensed in FL that focuses on automotive businesses.