Question 1

What is garage liability insurance?

Accepted Answer

Garage liability insurance is a commercial insurance policy designed for businesses that sell, service, store, or repair vehicles. It covers bodily injury and property damage claims arising from your garage operations, including customer injuries on your premises, damage caused by employees, and products-completed operations for faulty repairs.

Question 2

What is the difference between garage liability and general liability?

Accepted Answer

Standard general liability policies contain an 'auto exclusion' that eliminates coverage for most vehicle-related claims. Garage liability insurance fills this gap by specifically covering automotive operations including test drives, vehicle storage, and repair-related property damage — risks that general liability explicitly excludes.

Question 3

Do auto dealerships need garage liability insurance?

Accepted Answer

Yes. Auto dealerships — whether new car, used car, RV, motorcycle, or boat dealers — require garage liability insurance to cover their unique operational risks. Most states and floor plan lenders require it, and it protects against lawsuits from customer injuries, test drive accidents, and completed operations claims.

Question 4

How much does garage liability insurance cost?

Accepted Answer

Garage liability premiums vary based on business type, annual revenue, number of employees, claims history, and coverage limits. Auto dealers typically pay $2,000–$8,000 per year; repair shops $1,500–$5,000; tow truck operators $3,000–$12,000. Contact DealerLiability.com for a customized quote.

Question 5

What is garagekeepers insurance?

Accepted Answer

Garagekeepers insurance covers customer vehicles in your care, custody, or control. It is separate from garage liability and is essential for repair shops, body shops, dealerships, and tow yards that hold customer vehicles. It is available as direct primary or legal liability coverage.

Question 6

Are you licensed in Florida?

Accepted Answer

Yes. DealerLiability.com is operated by Ellie Insurance Group, a licensed independent insurance agency in Florida. We work with hundreds of top-rated carriers to find the best garage liability coverage for your automotive business.

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