Garage Liability Insurance

If you operate a used car dealership, auto repair shop, body shop, or any business that services, stores, or sells vehicles, you need garage liability insurance. This specialized policy is designed specifically for automotive businesses and covers risks that standard commercial policies don't address. Florida's Department of Highway Safety and Motor Vehicles (DHSMV) requires licensed motor vehicle dealers to carry garage liability insurance. Even for repair shops and body shops, this coverage is essential to protect against the unique exposures your business faces daily. At B & B Insurance Agency, we work with carriers who specialize in automotive business coverage to compare coverage and pricing for your business.

Garage liability insurance provides several critical coverages: Premises Liability: Covers injuries to customers or visitors on your property — a customer who slips in your showroom, a visitor injured in your parking lot, or a mechanic's customer who trips in the waiting area. Operations Liability: Covers damage or injury resulting from your business operations. If a vehicle you repaired causes an accident due to faulty work, or if a test drive results in property damage, you're covered. Products & Completed Operations: Protects you after work is finished. If a vehicle you sold or repaired causes harm after leaving your lot, this coverage responds. Garagekeepers Coverage: Covers damage to customers' vehicles while they're in your care, custody, or control — whether from fire, theft, vandalism, or collision while on your premises.