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Garage Liability Insurance

Garage liability insurance is a type of insurance coverage designed for businesses engaged in operations related to automobiles, such as dealerships, repair shops, collision repair / body shops, truck repair shops, and similar businesses. This insurance provides coverage for liabilities arising from the day-to-day operations of these businesses. It is distinct from garage keepers insurance, which specifically covers damages to customers’ vehicles while in the business’s care.


Here are key points about garage liability insurance:

  • Liability Coverage: Garage liability insurance primarily covers bodily injury and property damage liabilities arising from the business’s operations. This can include injuries that occur on the business premises or as a result of the business’s activities.

Coverage Scope:

  • Bodily Injury Coverage: Protects against claims for injuries suffered by individuals on the business premises or as a result of the business’s operations / actions.
  • Property Damage Coverage: Covers damage to third-party property caused by the business’s operations, such as damage to a customer’s vehicle during a test drive.
  • Types of Businesses Covered: Garage liability insurance is relevant for various businesses involved in automotive services, including auto dealerships, repair shops, body shops, and towing services.
  • Operational Risks: It covers risks associated with the business’s day-to-day operations, such as test driving vehicles, providing repair services, or other activities related to the automotive industry.
  • Comprehensive Protection: The coverage may extend to various aspects of the business, including the premises, employees, and operations. It helps protect the business owner from potential lawsuits and financial liabilities.
  • Policy Limits and Deductibles: Like any insurance policy, garage liability insurance will have coverage limits, which represent the maximum amount the policy will pay. Deductibles may also apply, representing the amount the business is responsible for before the insurance coverage takes effect.


Contact Us

Garage liability insurance is essential for businesses in the automotive industry to protect against the financial consequences of liability claims. It is important for business owners to carefully review policy terms, understand coverage limits, and work with insurance professionals to tailor the coverage to their specific business needs. Call ISE Insurance Services today to see how we can help protect what’s important to you.

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