Garage & auto services
Repair shops, body shops and dealerships handle other people's vehicles every day. We build programs that protect your operations, your inventory and the cars in your care.
Auto businesses have exposures most policies don't address, like a customer's car damaged in your bay or inventory lost to hail on the lot. Our garage programs are designed for those risks.
What's covered
Garage liability
Covers injuries and damage arising from your business operations and the work you perform.
Garagekeepers
Protects customers' vehicles while they're in your care, custody or control, including fire, theft and collision.
Dealer inventory
Open lot coverage for vehicles you own and hold for sale, including hail, flood and theft.
Dealer E&O
Errors and omissions protection for mistakes in sales, financing and title paperwork.
Property & equipment
Covers your building, lifts, diagnostic equipment, tools and parts inventory.
Workers' compensation
Protects technicians and staff injured on the job.
Who it's for
- Auto repair shops
- Collision & body shops
- Tire & lube centers
- Franchised dealers
- Independent dealers
- Detailers
Dealerships we insure
Coverage tailored to how each type of dealership sells.
New franchised dealers
Inventory loss or damage, premises liability, sales E&O and coverage for service and parts departments at manufacturer-affiliated stores.
Used franchised dealers
The protections franchised dealers need, adjusted for the condition and history risks that come with selling used vehicles.
New non-franchised dealers
Inventory, general liability and sales E&O built for independent dealerships selling new vehicles without a manufacturer affiliation.
Used non-franchised dealers
Inventory, general liability and E&O for independent used-vehicle dealers, with attention to vehicle history, condition and sourcing.
Common questions
What's the difference between garage liability and garagekeepers?
Garage liability covers injuries and damage your business causes to others. Garagekeepers covers your customers' vehicles while you have them. Most shops need both.
Is my inventory covered against hail?
It can be. Dealer open lot coverage typically includes weather perils like hail, but deductibles and limits vary, so we review them with you.
Are test drives covered?
Dealer programs usually cover test drives by customers and employees. We confirm the details with your carrier so there are no surprises.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.