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Garage Liability

The U.S. automotive repair and maintenance service industry is currently a $58 billion market

Automobile dealerships and repair shops often work with heavy equipment which can cause property damage and bodily injury. To protect the business, it is important to obtain the proper insurance, as an accident might end up exposing the owners to costly litigation fees.

Garage Coverage through Burns & Wilcox can provide access to multi-line specialty products designed to address the needs of auto dealers and repair shops. With fast quotes, competitive rates, excellent client service, and unparalleled access to markets and products, Burns & Wilcox has the breadth of products and experience you need to provide your clients in the auto service industry with intelligent solutions for their business operations.


Coverage Details and Features


  • Wide range of limits available—any size account
  • Premises liability and auto liability combined for these unique businesses
  • Broad range of deductibles available
  • Garage Liability limits up to $1 million per occurrence and $3 million aggregate
  • Garage Keepers limits up to $5 million per location
  • Dealers Open Lot Limits up to $5 million per location
  • Umbrella/Excess Liability limits up to $5 million
  • Additional insured’s and waiver of subrogation available


  • Monoline policies available
  • Packages of Garage Liability, Scheduled Autos, Physical Damage, Garage Keepers, Property, Business Income, and Inland Marine available
  • Admitted and non-admitted options
  • Garage property and scheduled auto packages available
  • Monoline dealers open lot available
  • Pollution coverage available

Target Classes

  • Auto repair, service centers and tire dealers (no retreads or split rims)
  • Truck trailer service and towing services
  • Mobile detail shops, paint and body shops, and classic car restoration
  • Valet service operation
  • Stereo sales and installation
  • Handicap lift installation (prior coverage required)
  • Salvage yards
  • New and used auto dealers
  • ATV and motorcycle sales and service
  • Used auto dealers
  • Service and repair garages
  • Alarm & Stereo Installation
  • Body Shops
  • Brake Shops
  • Detailing
  • Farm Equipment Repair
  • Full Service Car Wash
  • General Repair
  • Heavy Truck Repair
  • Muffler Shops
  • Oil & Lube Shops
  • Paint & Body Shops
  • Tire Dealers
  • Valet Parking
  • Windshield Repair or Replacement
  • Salvage yards
  • Motorcycle repair shops
  • Private passenger dealers
  • Motorcycle dealers
  • Recreational Vehicle (RV) dealers
  • ATV dealers
  • Heavy Truck dealers
  • Construction Equipment dealers
  • Farming Equipment dealers
  • Trailer dealers


Auto Repair Shop


Truck Service & Repair


KY Used Auto Dealer


OH Used Auto Dealer


OH Heavy Truck and Farm Equipment Repair


Motorcycle Repair

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

Office Locations