Is garage liability required for Georgia dealers?

Yes. Georgia requires licensed dealers to maintain liability insurance as a condition of their dealer license. Garage liability is the appropriate policy for dealer operations, covering the unique auto-related exposures that general liability excludes.

What are Georgia's workers' compensation requirements for auto businesses?

Georgia requires workers' compensation for businesses with 3 or more employees — lower than many states. Auto repair shops, dealerships, and towing companies with 3+ employees must carry workers' comp.

Do Georgia tow truck companies need special insurance?

Yes. Georgia tow truck operators are regulated by the Georgia Department of Public Safety and must maintain specific liability and on-hook coverage levels. Requirements vary by vehicle weight class and type of towing operation.

What is the Georgia dealer surety bond requirement?

Georgia requires used motor vehicle dealers to maintain a $35,000 surety bond as a condition of their dealer license. The bond protects consumers from dealer fraud and title issues. Bond premiums typically cost 1%–5% of the bond amount per year depending on your credit score.

Do Georgia repair shops need garagekeepers insurance?

Yes. Any Georgia repair shop, body shop, or dealership that takes customer vehicles into their care, custody, or control should carry garagekeepers insurance. This covers physical damage to customer vehicles from fire, theft, vandalism, or collision while in your possession — a risk that garage liability alone does not cover.

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Licensed in Georgia · GA

Garage Liability Insurance in Georgia for Auto Dealers & Repair Shops

For Auto Dealers, Repair Shops & Towing Companies

Georgia is home to one of the Southeast's most active automotive markets. The Georgia Department of Revenue's Motor Vehicle Division licenses dealers and sets insurance requirements, while the Georgia Department of Public Safety regulates towing companies. Garage liability insurance is the required and appropriate coverage for Georgia automotive businesses — covering the bodily injury, property damage, and operational exposures that standard general liability excludes.

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Licensing Body

GA Dept. of Revenue — Motor Vehicle Division

At-Fault State

Georgia is a modified comparative fault state

Workers' Comp

Required for businesses with 3+ employees

Tow Regs

GA DPS regulates towing companies

Coverage Experts

Licensed in GA — garage & dealer experts

Coverage Programs

Complete Georgia Automotive Insurance

We build complete insurance programs for Georgia 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

Workers' Compensation (required for 3+ employees in GA)

Commercial Property

Umbrella / Excess Liability

Cyber Liability

Instant Quote

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

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Licensed in GA

Ellie Insurance Group is licensed in Georgia and focuses on garage liability insurance for GA automotive businesses. We have access to 100+ A-rated carriers and compare eligible markets for suitable coverage and competitive pricing.

Who We Cover

Georgia Automotive Businesses We Insure

GA New Car Dealerships

GA Used Car Dealers

GA Auto Repair Shops

GA Body Shops

GA Tow Truck Companies

GA RV Dealerships

GA Motorcycle Dealers

GA Tire Shops

GA Oil Change Shops

Georgia Cities We Serve

Atlanta Savannah

Local Market

The Georgia Automotive Insurance Market

Georgia is one of the top five states in the country for licensed motor vehicle dealers, with over 5,000 active dealer licenses issued by the Georgia Department of Revenue (GDOR). The Atlanta metro area — particularly the I-285 perimeter corridor, Gwinnett County, and the Marietta/Cobb County market — is one of the densest concentrations of independent used car dealers in the Southeast. Georgia is an at-fault (tort) state, meaning the at-fault driver's liability insurance is responsible for damages — a critical consideration for dealers who allow test drives on Atlanta's congested highway system. The state requires dealers to maintain a $35,000 surety bond and carry garage liability insurance as a condition of their dealer license. Georgia's large population of uninsured drivers (estimated at 12% of drivers statewide) makes Uninsured Motorist coverage a high-priority add-on for dealer fleets. The Savannah market has grown significantly with the expansion of the Port of Savannah — the busiest container port on the East Coast — which has driven population growth and increased demand for automotive services throughout the Coastal Empire region. Repair shops in Georgia are not regulated by a separate licensing body but must comply with general business licensing requirements at the county level.

Common Questions