Garage Insurance: Complete Protection for Auto Businesses
Protects garage businesses from risks like vehicle damage, customer liability, employee accidents, and property loss. Whether you run a repair shop, auto service center, or dealership, this coverage keeps your operations secure and your customers’ vehicles protected.
Coverage Designed for Repair Shops, Dealers and Every Business in Between
Running an auto-related business comes with unique risks, vehicles moving in and out all day, customer property on-site, expensive equipment, and employees working in a fast-paced environment. Whether you own a repair shop, a dealership, a body shop, or a service center, you need insurance that understands the real challenges of your industry. Garage Insurance brings all these protections together, giving you coverage that supports your operations, your people and your customers.
What Is Garage Insurance?
Garage Insurance is a specialized type of commercial insurance designed for businesses that handle, service, store, or sell vehicles. Unlike regular business insurance, this coverage protects both the “garage” operations and the customer vehicles under your care. It combines several key protections like liability, property, customer vehicles, employee operations, and more, into one complete policy tailored to auto-industry needs.
This coverage is commonly used by:
Auto repair shops
Car dealerships
Body shops and paint shops
Service garages
Tow truck operators
Tire and wheel shops
Mobile mechanics
Parking garages and valet services
If your business touches customer vehicles in any way, garage insurance ensures you are protected from the unexpected.
Benefits of Garage Insurance
Protects Customer Vehicles in Your Care
If a customer’s car is damaged while in your shop, due to fire, theft, weather, or accidents, garage keepers' coverage helps pay for repairs or replacement. This keeps your reputation strong and your clients confident.
Covers Accidents Caused by Your Work
Mistakes can happen during repairs or services. If a vehicle issue caused by your work leads to an accident, liability coverage protects your business from costly claims.
Safeguards Your Employees’ Operations
Whether an employee is test-driving a vehicle or moving a car around the lot, garage liability covers accidents involving employees while they operate customer or business vehicles.
Protects Tools, Equipment, and Your Building
Auto shops require expensive machinery, lifts, diagnostic tools, and specialized equipment. Property coverage helps repair or replace what’s damaged in case of fire, vandalism, or other covered events.
Covers Slips, Falls, and Customer Injuries
With people walking around vehicles, equipment, and oil spills, accidents are always possible. Garage insurance helps cover medical costs and legal fees if a customer gets injured on your property.
Shields You from Lawsuits and Legal Expenses
From bodily injury to property damage claims, lawsuits can be expensive. Liability protection ensures your legal costs don’t drain your business.
Flexible Coverage for Your Type of Garage
Whether you run a small repair shop or a large dealership, policies can be customized to match the size, services and risks of your operation.
Garage Insurance gives auto-related businesses the security and confidence they need to operate safely every day. It protects customer vehicles, covers employee operations, safeguards your tools and property, and shields you from unexpected claims or lawsuits. With the right coverage in place, you can focus on what you do best—serving your customers, growing your business, and keeping every vehicle on the road running smoothly.
