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TAG | garage liability insurance

All About Garage Liability Insurance 4.33/5 (86.67%) 3 votes

Owning an auto shop is difficult enough with the endless stream of cars, equipment and employees hurrying about, but what really is cause for concern is insurance. Especially in today’s saturated insurance market, finding a quality company with the right coverage options can be a nightmare. Nobody wants to wake up to a huge lawsuit with mounting medical fees without having the proper insurance to bail you out- which is why insurance can ensure the stability of a company. Garage liability insurance, for example, is a type of insurance policy that covers auto shops in case of on site accidents/damage to employees or company owned equipment.

Despite the name, a wide assortment of business owners need garage liability insurance to save themselves from crippling legal battles. Any business that operates by taking care of cars in any fashion will need to purchase some form of garage liability insurance. These include but are not limited to:

  • Auto Body Shops
  • Detail Shops
  • Performance Shops
  • Service Stations
  • Car Audio Shops
  • Car Dealerships

Garage Liability Insurance will cover a large assortment of damages, but only garagekeeper’s insurance will cover individually owned property. Regardless, garage liability insurance will generally cover:

  • Fire Damage
  • Theft/Vandalism
  • Slip and Fall Accidents
  • Weather
  • Off/On Site Collisions

Once you’ve highlighted the need for garagekeeper’s insurance, you’ll need to know what exactly to look for when purchasing a coverage option.

  • Limits – This covers the maximum amount the insurance company will pay in the event something disastrous happens. The higher the maximum, the higher the premium.
  • Deductible – Before the insurance group will agree to pay for damages incurred, you’ll have to pay a deductible for each vehicle affected. This is negotiable so make sure you set a value that you have the capability to pay.
  • Past History – Each company operates differently, but premiums will fluctuate based on a variety of criteria. This not only includes deductibles and limits, but also past history, security protocol, and employee history.

So it doesn’t matter if you own an auto shop or a car dealership, shopping around for garage liability insurance is a must.

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What is Garage Liability Insurance/Garagekeeper’s Insurance? 4.50/5 (90.00%) 2 votes

Businesses in the auto field all need insurance policies to prevent any legal, financial, or medical issues. Whether it’s a tire shop or an auto repair store, buying garage keeper liability insurance and/or garagekeeper’s insurance policies can make a huge difference in the longevity of the company.
•    Basic Garage Liability Insurance Coverage- Basic garage liability insurance generally covers medical injuries sustained/company owned property damage within the confines of the shop. This includes slip and fall incidents or tool malfunctions and coverage extends until the policy’s coverage ceiling.

•    Additional Coverage Options- Outside of typical coverage options, garage liability insurance can cover auxiliary issues like implications from faulty machinery, faulty products and off-site company vehicles. Naturally, these issues are only covered if the coverage limit matches with the total damages.

•    Garagekeeper’s Insurance- What many don’t know is that garage liability insurance won’t cover all types of damages that occur within the confines of the shop. Without garagekeeper’s insurance, the company would have to pay out of pocket for any damages to individually owned cars while in the shop. Whether it is a fire or damage from maintenance, garagekeeper’s insurance is an absolute necessity to purchase in conjunction with garage liability insurance.

•    Pricing- Pricing is ambiguous from company to company. Usually, insurance firms will use a series of metrics to evaluate premiums- driving records, past incidents, coverage options, business type and security. Most good insurance companies will offer a variety of services and options to suit your needs. For example, an auto shop would need to purchase garage liability insurance with some additional options plus garagekeeper’s insurance in order to cover all possible harms.

The Boardwalk Insurance Group has built a reputation on its knowledge, happy consumer base and vast experience. If you are in the market for a quality insurance company, look no further than Boardwalk.

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Garage Liability Insurance vs. Garagekeeper’s Insurance 4.33/5 (86.67%) 9 votes

If you own a tire store or an auto shop, it’s in your best interest to understand the differences between garage liability insurance and garagekeeper’s insurance. The main difference hinges on company owned versus customer owned property. Garage liability insurance covers the shop’s operations, vehicles and tools, whereas garagekeeper’s insurance covers damage to customer’s vehicles. You’ll need both if you want to cover yourself and your shop from huge losses from legal battles.

Garage liability insurance is a must for owners of auto repair shops, a tire stores,  car dealerships, etc (essentially anyone who’s living depends on cars), but don’t make the terrible mistake of thinking that damage to a privately owned vehicle will be covered by garage liability insurance. In order to properly cover a customer car, you’ll need a separate garagekeeper’s package. Do note, however, that many garagekeeper coverage packages omit loss to aftermarket electronics.

In today’s increasingly litigious society, insurance agencies are becoming much more strict when dealing with guidelines for loss prevention. They do this to cut the costs associated with environmental damage to private cars.

If you own a shop that’s considering a garage liability insurance or a garagekeeper’s insurance package, it’s imperative that you sign up every single employee and executive and mark them down on the policy. Otherwise, you could be in for a terrible wake up call. Keep sharp tabs on all of your drivers and make sure that alcohol abuse isn’t an issue. A driver with a DUI could pose some pretty serious consequences for you and your company outside of being suspended from all driving activity.

There are a few details to not miss when looking for a garage liability insurance or a garagekeeper’s insurance package. Make sure that there’s plenty of lighting around the place, especially at night, to prevent any unfortunate mishaps in the dead of night. Next, keep the floors within the shop clean and a have nice exterior paint job for aesthetic purposes. Similarly, well designed landscaping can help too. When you have a shady looking business operation, finding an insurance company that will offer you a policy may be tough. That’s why it’s in your best interest to keep things looking nice. Appearance is everything and it can make or break your attempt to find coverage.

If you’re in the market for a highly qualified garage liability insurance or garagekeeper’s insurance agency, look no further than the Boardwalk Insurance Group. Their experience in the industry combined with a passion for customer service put them at the top of the insurance market. Check them out today to see what the fuss is about!

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Garage Liability Insurance Protects Customers and Employees 3.43/5 (68.57%) 7 votes

There are many auto repair shops, ranging from small local businesses to large franchise shops to dealership service facilities.  There are many tools and chemicals presenting potentially grave liabilities should something go wrong.  To protect the business, garage liability insurance and garage keepers insurance can be taken out for the business.

Garage liability insurance is a business insurance that strictly covers liability for the property and the work done there.  Typically, garage liability insurance is also paired with garage keepers insurance, which covers the property of customers at the garage.  Both garage liability insurance and garage keepers insurance are very important for auto repair shops, because even the smallest mishap on the property can have potentially devastating repercussions.

Garage liability insurance protects the business from any potential liabilities on the property.  Whether the liability comes from an employee’s actions or a disgruntled customer, garage liability insurance protects the auto repair shop from the costs of the damages.  With all the tools and chemicals, garage liability insurance is a must.  Oil can cause someone to slip and fall, the lift holding the car up could fail, and in the event a repair goes bad, the auto repair shop is also protected from the angry customer as well.  Some auto repair shops also own and operate their own fleet of vehicles, from rapid response flat tire repair to tow trucks of various sizes for anything from a car to an eighteen wheeler.   These vehicles are also covered by garage liability insurance.  No auto repair shop is too small for garage liability insurance.  Even if the auto repair shop is on the side of a convenience store or another unrelated business, garage liability insurance should be used to protect it.

Garage keepers insurance is just as important as garage liability insurance for an auto repair shop.  While garage liability insurance protects the business and its property, garage keepers insurance protects the property of the customers.  Many of the same dangers concerning garage liability insurance also pertain to garage keepers insurance.  While garage liability insurance will probably provide more day-to-day protection, garage keepers insurance will most likely protect against a larger single claim.  If something were to happen at the auto repair shop that damages or destroys customer property, like a fire destroying several cars, garage keepers insurance provides coverage.  The cost of damages to vehicles and the property in them can quickly escalate into the tens and hundreds of thousands of dollars depending on the size of the auto repair facility.

Both garage liability insurance and garage keepers insurance have many different factors affecting the policy, and shopping around for an adequate garage liability insurance and garage keepers insurance policy can be a very demanding task.  However, an independent insurance agency can effectively do most of the work for you by generating business insurance quotes from affiliated insurance providers.  This lets the auto repair shop owner focus on their work while ensuring the policy is the best value and meets the needs of the auto repair shop.

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Garage Liability Insurance in Many States 5.00/5 (100.00%) 3 votes

Auto shops are great at repairing and maintaining vehicles, whether there is structural damage or a simple oil change is needed.  Sometimes the work done can be dangerous, especially when employees and customers are not careful.  Garage liability insurance protects auto shops from potential liabilities that employees and customers may claim against them.

Our garage liability insurance can help you place coverage for dealers involved in selling and services of autos, service operations engaged in repairing, towing, servicing, salvaging, and valet parking of autos.  Garage liability insurance is very important for auto shops, or any business that has an auto shop, including some department stores, gas stations, and auto dealerships.

We can provide coverage for:

  • Garage Liability
  • Medical Payments
  • Fire Legal Liability
  • Personal Injury Protection
  • Uninsured Motorist Coverage
  • Dealers Physical Damage
  • Auto Physical Damage for scheduled service units
  • Garage Keepers Legal Liability
  • Packages are also available!

Unique classes of business we can consider include:

  • Antique/Classic Auto dealers
  • Auctions
  • Bus sales and Service
  • Car Wash-Full Service
  • Mobile Mechanics
  • Motorcycle Service
  • Oil and Lube Shops
  • Salvage Yards
  • Truck Tractor Sales and Service
  • Valet Parking Services

If you do not see your business class on this list, contact Boardwalk Insurance Group to see if your profession can be covered.

Garage liability insurance is protect auto shops from many different liability claims that could be brought against them, whether they are from employees or customers.  To find the best garage liability insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best garage liability insurance available.

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Garage Liability, Garage Keepers and Dealers Open Lot Insurance Programs 4.50/5 (90.00%) 2 votes

Auto shops and car dealerships generally have a lot of vehicles on their property.  The vehicles stored there, whether awaiting purchase or repair, are under the protection of the owner of the property.  If damaged or destroyed, the financial responsibility is frequently assigned to the property owner.

Garage liability insurance protects an auto repair business from any damages that occur when the business is open.  Garage liability insurance protects from liability claims made by employees and customers.  Garage keepers insurance protects from damages that occur while the auto shop is closed and protects customers’ vehicles being stored on the property.  Dealers open lot insurance is an insurance policy for auto dealerships, protecting the dealership from the cost of damage to vehicles on the lot.

Target classes

  • New & Used Auto Dealers
  • RV Dealers & Repair
  • Motorcycle Dealers & Repair
  • Gas Stations with Auto Repair & Convenience Stores
  • Auto Body & Paint Shops
  • Auto Stereo & Alarm Installers
  • Full Service Car Washes
  • Harley Davidson Sales & Service
  • Auto Detailers
  • Tire Sales & Installation
  • Trailer Dealers
  • Wholesaler Auto Dealers & Brokers
  • Valet Parking
  • Heavy Truck Dealers & Repair
  • Impound Yards
  • Public Livery Repair
  • Antique Auto Dealers, Repair & Restoration
  • Auto Alarm/Stereo Installation
  • Auto Maintenance & Repair
  • Boat Dealers
  • Boat Repair
  • Golf Cart Dealers & Repair
  • Mobile Auto Repair Service
  • Trailer Hitch Installation & Repair
  • Valet Parking
  • Wrecker Service – for hire including auto for wreckers

Coverages Offered:

  • Garage Liablity Limits up to 1 million
  • Uninsured and Underinsured Motorist Coverage up to 1 million
  • Garagekeepers Limit up to 1 million
  • Legal Liability, Direct Excess and Direct Primary Coverage options
  • Garagekeepers In-Tow Limit up to $50,000
  • Dealers Open Lot Coverage
  • Additional Insured’s and Waiver of Subrogation Endorsements available
  • Broadened Coverage
  • Drive Away Radius Extension – unlimited radius
  • Fire Legal Liability
  • Hired Auto Coverage
  • Medical Payments
  • Personal Injury
  • Dealers Errors & Omissions
  • Scheduled Auto
  • Package with Property & GL Exposures Available
  • Umbrella or Excess



  • Coverage under the Garage Program is available for the installation or repair of airbags.


  • A zero Liability deductible option is available.


  • Available for some classes.

Garage liability insurance and garage keepers insurance are usually paired to provide comprehensive protection to auto repair facilities, and dealer open lot insurance is the best way to protect vehicles at an auto dealership.


Fantastic Deals on Dealers Open Lot Insurance, Garage Liability Insurance and Garage Keepers Insurance Products 4.00/5 (80.00%) 4 votes

Auto repair facilities contain a lot of expensive equipment required for repairing and maintaining vehicles.  In addition, there are many tools and chemicals that when improperly used can cause a significant amount of damage.

Garage keepers insurance and garage liability insurance protects any auto repair facility from the costs of damages that occur while on the property.  With all the vehicles and equipment, the losses could quickly add up.  Dealer open lot coverage also protects auto dealerships.

Boardwalk Insurance Group has a great market for your Auto Garage needs:

  • Target Risks
  • New and Used Car Dealers
  • RV Dealers and Repair
  • Motorcycle Dealers and Repair
  • Auto Service and Repair
  • Auto Detailers
  • New Tire Dealers
  • Wholesaler Auto Dealers and Brokers
  • Valet Parking
  • Heavy Truck Dealers & Repair
  • Impound Yard
  • Mobile Mechanics & Auto Repair
  • Many other classes
  • Available Coverage
  • Garage Liability
  • Dealers Physical Damage
  • Garagekeepers/Garage Liability
  • Dealers Open Lot
  • Garagekeepers In-Tow

Broadened Coverage

  • Driveaway Radius Extension
  • Fire Legal Liability
  • Hired Auto
  • Medical Payments
  • Personal Injury Liability
  • Scheduled Auto Liability
  • Dealers Errors & Omissions
  • Uninsured Motorist

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