Tampa, FL · Garage & Dealer Insurance

Garage Liability Insurance in Tampa, FL

Auto dealerships, repair shops, towing companies, and garages in Tampa need more than general liability. We help Tampa Bay area automotive businesses get the right garage liability coverage and dealer bonds — fast.

Min. Garage Liability

$25K/$50K

Required for FL dealer license

Surety Bond Required

$25,000

Motor vehicle dealer bond

Licensing Authority

FLHSMV

Issues dealer licenses in FL

Get Insured in Tampa Today — Fast Quotes, Same-Day Coverage

Independent agents. 15+ A-rated carriers. agents focused on garage liability, dealer bonds, and automotive business insurance.

Also Required for FL Dealers

Need a Dealer Surety Bond in Tampa?

FL requires a $25,000 surety bond to obtain your motor vehicle dealer license. We can help you get your bond and your garage liability insurance in one place — often with better pricing when bundled.

Why Choose Us

Why Tampa Dealers & Shops Choose DealerLiability.com

Automotive Business Focus

We work with auto dealerships, repair shops, towing companies, and garages — and we understand the specific coverages these businesses need to stay licensed and protected.

15+ A-Rated Carriers

As an independent agency, we shop multiple carriers to find the right policy for your specific operation, location, and risk profile.

Same-Day Coverage

Need proof of insurance fast? We can often bind coverage and issue certificates the same day — critical when you're applying for or renewing a dealer license.

Bond + Insurance Bundle

Get your dealer surety bond and garage liability insurance in one place. Bundling often results in better pricing on both and simplifies your renewals.

FAQ

Frequently Asked Questions — Tampa Dealer Insurance

Is garage liability insurance required for a Tampa dealer license?
Yes. Florida requires all licensed motor vehicle dealers, including those in Tampa and Hillsborough County, to carry garage liability insurance with minimum limits of $25,000 per person / $50,000 per occurrence for bodily injury and $10,000 for property damage. A certificate of insurance must be filed with FLHSMV.
How much does a dealer surety bond cost in Tampa?
Florida requires a $25,000 surety bond for motor vehicle dealers. The annual premium is typically $250–$500 depending on your credit score. Most dealers with good credit pay around $250/year.
Can I get same-day garage liability coverage in Tampa?
Yes. In most cases we can bind coverage and issue a certificate of insurance the same day you apply — which is important when you're applying for or renewing your Florida dealer license.
Do repair shops in Tampa need garage liability insurance?
Yes. Auto repair shops, body shops, and service centers in Tampa should carry garage liability insurance to cover bodily injury and property damage claims, plus garagekeepers insurance to cover customer vehicles in their care.
What is garagekeepers insurance and do I need it in Tampa?
Garagekeepers insurance covers physical damage to customer vehicles while they are in your care, custody, or control — on your lot, in your shop, or being test driven. It is strongly recommended for any Tampa business that takes possession of customer vehicles.

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Get a free quote in minutes. No obligation. agents focused on garage liability and dealer insurance.