CLICK THE SCENE.
DISCOVER YOUR COVERAGE.

Garage Liability covers bodily injury and property damage arising from your garage operations — including test drives, customer slip-and-falls on your lot, and damage caused by your completed work. It is the foundational policy for every auto dealer, repair shop, and towing operation.

When a customer drops off their vehicle for service, repair, or storage, you become legally responsible for it. Garagekeepers Legal Liability covers damage to those customer vehicles — from fire, theft, vandalism, or collision — while they are on your premises.

Dealers Open Lot (also called Dealer Physical Damage) covers your vehicle inventory against physical damage from fire, theft, vandalism, hail, flood, and collision. Without it, a single hailstorm or theft ring could devastate your entire stock.

Tow truck insurance is a specialized form of garage liability designed for wrecker operators, roadside assistance companies, and tow yards. It includes on-hook coverage for vehicles being towed, plus liability for accidents that occur during towing operations.

Commercial Property Insurance covers your physical business assets — the building, tools, equipment, office furniture, computers, and signage — against fire, theft, vandalism, and other covered perils. It can also include Business Income coverage to replace lost revenue if you have to shut down after a covered loss.

General Liability (GL) is the foundational business insurance policy that protects against third-party claims of bodily injury, property damage, and personal/advertising injury. While Garage Liability is the specialized form for automotive operations, many lenders, landlords, and contracts require a standalone GL policy as well.

Commercial Auto covers vehicles that your business owns and uses for operations — dealer plates, loaner cars, service vans, and company trucks. Personal auto policies exclude business use, so any vehicle driven for business purposes needs a commercial auto policy.

A Dealer Surety Bond (also called a Motor Vehicle Dealer Bond or DMV Bond) is a legally required guarantee that you will comply with state dealer licensing laws. It protects consumers and the state — not you — and is required before you can obtain or renew your dealer license in every U.S. state.

Workers' Compensation covers medical expenses and lost wages for employees who are injured on the job. It is required by law in most states for any business with employees. For auto dealers and repair shops, the risk is real — mechanics work with heavy equipment, lifts, and chemicals every day.