Dealers · Repair Shops · Car Washes · Valet
Garage Insurance for Dealers & Shops
One A-rated garage program for 16 dealer classes and 21 non-dealer garages, from used car lots and boat dealers to mobile mechanics, with liability limits up to $5 million.
What is garage insurance for car dealers and repair shops?
Garage insurance is a commercial package for businesses that sell, repair, park or store vehicles. Our program, backed by a carrier rated "A" by A.M. Best, combines three parts: garage liability up to $5,000,000 for injuries and damage your operation causes; garage keepers coverage for customer vehicles in your care, up to $5,000,000 per location and $300,000 per auto; and dealers physical damage on units you hold for sale, at the same limits. It fits 16 dealer classes and 21 non-dealer operations in Florida, Georgia and Texas, with North Carolina added for non-dealers.
Dealer Insurance Coverage for 16 Dealer Classes
Every dealer class below writes on one program: liability for the lot, physical damage on the units you hold for sale and garage keepers for customer vehicles left for service. That covers used car dealer insurance, boat dealer insurance and equipment dealer insurance under the same roof.
- Auto dealers, new and used
- Wholesale auto dealers
- Antique auto dealers
- Electric auto sales
- Consignment sales
- Boat dealers
- Motorcycle dealers
- Golf cart dealers
- Recreational vehicle dealers
- Non-licensed vehicle dealers (ATVs, jet skis, snowmobiles)
- Trailer dealers
- Semi-trailer dealers
- Heavy truck dealers
- Contractors equipment dealers
- Farm equipment dealers
- Emergency vehicle dealers
Boat Dealer Insurance
Boat dealers keep inventory on trailers, racks and the water, and a storm can reach all of it at once. The program quotes dealers physical damage on owned and consigned units held for sale, liability for the dealership and garage keepers for customer boats left for service.
Used Car Dealer Insurance
Used car lots write on the same program as new-car stores. In Florida the dealer license itself requires garage liability and a $25,000 surety bond; our garage liability insurance page sets out the license rules line by line.
Garage Insurance for 21 Non-Dealer Businesses
Shops that never sell a vehicle still hold the customer's keys. These 21 classes write the same liability and garage keepers coverage, without the inventory line.
- Body shops and painting
- Mobile auto repair service
- Motorcycle repair
- Boat repair
- Recreational vehicle repair
- Heavy truck repair
- Trailer repair
- Trailer hitch installation and repair
- Contractors equipment repair
- Farm equipment repair
- Golf cart repair
- Emergency vehicle repair
- Non-licensed vehicle repair (ATVs, jet skis, snowmobiles)
- Auto alarm and stereo installation
- Upholstery
- Detailers
- Car washes
- Auto storage
- Impound yards
- Parking lots and garages
- Valet parking
Mobile Mechanic Insurance
Mobile auto repair service is a listed class. A mechanic working from a van needs liability for the work done in a customer's driveway and garage keepers for the car while it is in their care. Our auto repair shop insurance page compares a mobile setup with a shop that has bays.
Car Wash and Auto Detailing Insurance
Car washes and detailers move a steady line of customer cars through their hands. Garage keepers pays when one is damaged in the wash bay or during a detail, and liability answers for a customer who slips on a wet lot.
Valet, Parking and Auto Storage
Valet services, parking lots and garages, auto storage and impound yards hold vehicles for hours or for months. Garage keepers limits are set per location and per auto, so the busiest night on your lot sets the number you need.
Garage Liability, Garage Keepers and Dealer Physical Damage
Garage liability
up to $5,000,000
Owned, hired and non-owned autos, premises, products and work performed.
See garage liability insurance →Garage keepers
up to $5,000,000 per location and $300,000 per auto
Customer vehicles in your care, custody or control.
Dealers physical damage
up to $5,000,000 per location and $300,000 per auto
Owned and consigned autos held for sale.
Garage Keepers Insurance: Legal Liability, Excess or Primary
Garage keepers insurance covers customer vehicles while your business has them. The program writes it three ways, and the choice decides who pays first when a car is damaged on your watch.
Legal liability
Pays only when your business is legally responsible, such as a technician backing a customer's car into a post.
Direct excess
Pays regardless of fault, after the customer's own auto policy responds.
Direct primary
Pays regardless of fault, first, without waiting on the customer's insurer.
Direct primary keeps the claim between you and your carrier, which protects the customer relationship. Legal liability usually costs less and leaves more room for disputes.
Add-On Coverages and Dealer Errors and Omissions
- Additional insured
- Waiver of subrogation
- Primary and non-contributory
- Broadened coverage
- Personal injury liability
- Damage to rented premises
- Uninsured and underinsured motorists
- Personal injury protection
- Auto medical payments
- Location and operations medical payments
Acts, Errors and Omissions, up to $50,000
Dealers sign titles, disclose financing terms and certify mileage on every deal. Title E&O, Truth in Lending E&O, federal odometer E&O and agent's E&O pay claims that start with a paperwork mistake.
Garage Insurance in Florida and Three More States
Our agents write this program in the states where they hold a license.
Dealers
Florida, Georgia and Texas
Non-dealers
Florida, Georgia, North Carolina and Texas
Florida dealers also face license rules for garage liability insurance, explained on our garage liability page.
What You Need for a Garage Insurance Quote
- Your class, dealer or non-dealer, and every location address.
- Your yearly revenue and payroll, and how many employees drive.
- For dealers: average and peak units on the lot, their value and any consigned units.
- For non-dealers: the most customer vehicles you hold at one time and the highest value among them.
- Your current declarations pages and recent loss runs.
Who places garage insurance for dealers and repair shops in Florida?
American US Insurance, an independent agency in Kendall, Miami, places this A-rated garage program for dealers and non-dealer garages across Florida, Georgia and Texas, and for non-dealers in North Carolina. We match your class to the program, quote liability, garage keepers and dealer physical damage together, and add the dealer bond and commercial auto when your license or your fleet calls for them. One licensed agent handles the application, the certificates your landlord or floor-plan lender asks for, and each renewal.
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Read More →Get a Garage Insurance Quote for Your Dealership or Shop
Tell us your class, your locations and what you keep on the lot. A licensed agent quotes liability, garage keepers and physical damage on one program, with no obligation.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
Request My Garage Insurance Quote
Common Questions