Garage Liability Insurance

Garage Liability Insurance:
What You Need To Know

Our team is here to help you find an affordable auto dealers insurance policy!

Auto dealers are exposed to a wide variety of risks that make them vulnerable to lawsuits and crippling liabilities.  Garage liability insurance is a vital part of an auto dealership insurance package.  


Garage liability insurance is a specialized general liability insurance policy for businesses in the automotive industry.  


If you’re in search for auto dealers insurance coverage, you’ve come to the right place.  ADIG provides affordable auto dealers insurance quotes in minutes – Whether online or by phone! 

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What is garage liability insurance?


Garage liability is the combination of general liability and commercial auto in one policy.  The general liability portion of this dealers policy provides coverage for bodily injury and property damage claims.  Commercial auto insurance covers bodily injury and property damage resulting from the use of business owned autos.

What does garage liability insurance cover?

Garage liability covers auto dealers in the event any third-party sustains bodily injury or property damage.  Coverage can apply both on premises and during use of an insured vehicle, typically a test drive.

How much does garage liability cost?

There are multiple factors that influence the cost of a liability insurance policy.  In this case, auto dealers garage liability insurance is determined by a few aspects, including:

Business size – The size of your auto dealership, both financially and premises, effects the costs you pay.  Generally speaking, larger auto dealers have a higher exposure to loss than a small size dealership.

Location – Your auto dealer’s geographic location can affect rates too.  If your auto dealer is located in a city or town with a higher than average rate of car accidents, claims ratio or insurance fraud, the odds that an auto related liability claim are higher.

Policy Limits – The limits of liability on a garage liability policy play a large role in the costs your auto dealer will pay for insurance premiums.  Lower limits, such as $300,000 combined single limits, will typically be lower in premium than a $1 million dollar limit on an auto dealers garage liability. 

Each of the above factors impacts the costs of garage liability insurance.  Our agency partners with some of the largest providers of auto dealers garage liability insurance.  Give us a call today or fill out a form for a no obligation quote.

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