Garage & Dealers

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About Garage Keepers

We know how tricky Garage & Dealers can be. We have options for garage legal liability, garage keepers, and new & used dealer open lot.

NEXT STEPS: Request a quote HERE. Don’t have a username? Click HERE.

Once you have played around in our system or submitted your first risk, feel free to request agency training for our Access One80 Insurance Underwriting Portal here: Request Training

Client Visits

Read this page before providing information in the Access One80 Insurance Platform. You can print this highlighted Garage Keepers application and discuss with your client.

If you need help filling out the application click HERE for a Garage Liability Application print out or find step-by-step instructions on preparing a WINNING GARAGE submission you can check out our blog.

If you have questions about insurance terms, please consult the International Risk Management Institute (IRMI).

We also have a YOUTUBE channel to show you how to use the portal and submit an application.

Sample Risks

• Licensed Dealerships

• Used Car Dealers

• Auto Parts Stores

• Auto Repair & Service

• Body Shop & Repair Shops

• Motorcycle & Powersports Dealers and Repair

• Auto Dismantlers/Wrecking Yards

• Auction Yards

• Towing

• R.V. Dealers and Repair

• Car Washes

• Quick Lubes

• Trailer Dealers & Repair

• Home Based Garages

• Auto Restorer

*Exclusions: Used tire shops have limited markets, please submit for underwriting review.

Please be advised that any racing or exhibit exposures within a submission will be automatically declined.

Coverage Options

• Garage Liability

• Garagekeepers

• New & Used Dealer Open Lot

• Dealers Physical Damage

• Medical Payments

• Additional Insureds

• Broad Form Products Liability

• Broadened Coverage–Garage

• Cyber Suite

• Drive Other Car Coverage

• Error sand Omissions for Auto Dealers:

• False Pretense

• Fire Legal Liability

• Hired Auto

• Waiver of Subrogation:

• Watercraft Liability

• Commercial Property Coverage (MUST complete an ACORD 125 and 140 and submit for a separate quote)

• Personal Injury Protection (Dealers Only)

• Underinsured Motorists (Dealers Only)

State Availability

We have multiple A Rated Carriers in the following states:

• Garage: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming

• Dealers: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Louisiana, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming

• Towing: Alabama, Arizona, Colorado, Kansas, Missouri, Montana, Nebraska, New Mexico, Utah, Washington, Wyoming

Frequently Asked Questions

Do you have coverage for Motorcycle, Boats, Watercraft, or Off Road Vehicle?

We have a separate application for Motorcycles, Boats, Watercrafts, and Off Road Vehicles. Be sure to complete and upload it in the attachments section of the Garage & Dealers application.

Do you have coverage for Auto Restorers?

We do! Please complete this additional questionnaire and upload it in the attachments section of the Garage & Dealers application.

Do you have coverage for Tow trucks

Tow trucks can be tricky (see limited availability above) but if it fits your state, we have a Tow Truck Operators Questionnaire you can complete and and upload in the attachments section of the Garage & Dealers application.

What is Garage Liability?

Garage liability is, in effect, the same sort of coverage as general liability insurance that most businesses require except that it is specialized coverage for those who sell and repair cars, trucks, motorcycles, R.V.s or trailers. In the same way that commercial liability offers protection from accidents such as slip and falls or damaged product, garage liability insurance also protects business owners from claims arising from premise and operations as well as products and completed operations.

How is Garage Liability Different than Commercial General Liability?

Another aspect of coverage that differs from standard commercial liability is that garage liability also provides protection for vehicles used during operations. Garage policies also do not cover personal or advertising injuries like general liability. In fact, garage liability is really a hybrid combination of two policies, Business Auto and general liability combined into one. Garage policies have both accident and aggregate policy limits.

Because garage liability is narrower in scope than the broader protection of commercial general liability, many companies choose to include endorsements to provide additional coverage such as personal & advertising injuries, liquor liability, fire and non-owned watercraft to name a few.

What about Customer Property?

While garage liability coverage protects vehicles owned by the insured business, it does not extend protection to customer cars left on the premises for service or repair. Coverage for customer’s property falls under garage keepers’ insurance, which is often sold with garage liability to provide more comprehensive coverage to dealers and repair shops; however, it must be purchased as a separate policy.

Garage keepers insurance covers damage to customer property for specific losses such as fire, theft, vandalism, collision or overturn. It can also be written as comprehensive coverage to include all losses except for collision and overturn.

Those companies who need garage liability insurance will often find that garage keepers’ coverage is also needed in order to fully cover the business from whatever accident or physical damage may occur. Taking care to protect business assets from lawsuits and claims with the most comprehensive insurance available is a must for every garage operation today.

HOW SOON CAN I GET a quote?

Our commercial lines underwriters are assigned to submissions within 24 hours. Please keep in mind the expected turnaround is 2-3 business days if the ENTIRE forms are completed. Unfortunately frequent calls and emails will not expedite your requests. Thank you in advance for your consideration and patience.

WHAT ARE MY PAYMENT PLAN OPTIONS?

Please consult your quote packet. We have information on our Payments and Financing link. We accept check, ACH, and credit cards.

What’s the underwriting process like?

Here’s the progress from submission to policy.

1. Submitted

2. Underwriting, With Carrier

3. Quoted

4. Bind Requested

5. Bound

6. Policy Issued

Please note that requests for additional information will have a .5 status and the application will be unlocked for you to provide requested information. We will send weekly reminders until you provide the information and notify the underwriter that additional information provided. Please refer to the comments section for a list of any missing information that may be required to offer a quote, bind coverage, or issue a policy.

WHAT'S COVERED?

Please review the quote packet for terms or email our Customer Success Team.