Is garage liability required for Florida auto dealers?

Yes. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires licensed dealers to maintain garage liability insurance as a condition of their dealer license. Minimum limits are set by the state, but lenders and franchise agreements often require higher limits.

What are Florida's tow truck insurance minimums?

Florida mandates minimum liability limits based on the tow truck's Gross Vehicle Weight (GVW). Commercial vehicles 26,000–34,999 lbs require $50,000 CSL. Vehicles 35,000–43,999 lbs require $100,000 CSL. Vehicles 44,000+ lbs require $300,000 CSL (per Florida Statute 627.7415). On-hook (in-tow) coverage of $50,000 per occurrence is required for all classes.

Do Florida repair shops need workers' compensation?

Yes. Florida requires workers' compensation for any business in the construction industry with 1 or more employees, and for non-construction businesses with 4 or more employees. Auto repair shops with 4 or more employees must carry workers' comp.

What is garagekeepers insurance and do I need it in Florida?

Garagekeepers insurance covers customer vehicles that are in your care, custody, or control — while being repaired, stored, or serviced. If your shop or dealership takes possession of customer vehicles, this coverage is essential. It is separate from garage liability and covers the customer's vehicle itself, not just third-party bodily injury.

Can I get a same-day certificate of insurance in Florida?

Yes. As a Florida-licensed independent agency focusing on garage liability, we can typically issue certificates of insurance same-day or next business day for most automotive businesses.

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Licensed in Florida · FL

Garage Liability Insurance in Florida

For Auto Dealers, Used Car Lots, Repair Shops & Towing Companies

Florida's automotive industry is one of the largest in the country — and one of the most regulated. Whether you need Florida auto dealer insurance for your used car lot in Tampa, a repair shop policy in Orlando, or tow truck coverage in Miami, Florida law and lender requirements demand specific coverages that standard general liability simply does not provide. Garage liability insurance is the foundation of every Florida dealer insurance program, covering bodily injury, property damage, and the unique exposures of businesses that sell, service, or store vehicles.

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State License

FL Agency #L118383

No-Fault State

Florida is a no-fault auto state — PIP applies

Dealer Licensing

FLHSMV requires dealer bond & liability coverage

Tow Truck Regs

FDOT mandates specific minimums by GVW

Office Locations

Tampa & Brooksville, FL

Coverage Programs

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 with access to 100+ A-rated carriers.

Garage Liability (premises & operations)

Garagekeepers Legal Liability

Dealers Open Lot (inventory physical damage)

Commercial Auto for dealer plates & tow trucks

Workers' Compensation (required for 4+ employees in FL)

Dealers E&O (errors & omissions)

Cyber Liability

Commercial Property

Umbrella / Excess Liability

Instant Quote

Fast quote assistance through our network of 100+ A-rated carriers. Agents focused on Florida garage liability.

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Licensed in FL

Ellie Insurance Group is licensed in Florida (Agency License #L118383) and focuses on garage liability insurance for Florida automotive businesses. We have access to 100+ A-rated carriers and compare eligible markets for suitable coverage and competitive pricing.

State Requirements

Florida Tow Truck Insurance Requirements

Florida Statute 627.7415 sets minimum liability for commercial motor vehicles (including tow trucks) by Gross Vehicle Weight. Tow trucks under 26,000 lbs are not subject to 627.7415 but must still carry Florida's standard commercial auto minimums. Florida is a no-fault state, meaning PIP pays first. Tow operators should also consider Uninsured/Underinsured Motorist Coverage, Medical Payments, Customer Contents Coverage, and Physical Damage Coverage for their fleet.

Vehicle Type	Minimum Liability	On-Hook / Cargo Min.
26,000–34,999 lbs GVW	$50,000 combined single limit per occurrence	$50,000 per occurrence
35,000–43,999 lbs GVW	$100,000 combined single limit per occurrence	$50,000 per occurrence
44,000+ lbs GVW	$300,000 combined single limit per occurrence	$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.

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