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Garage Liability

A body shop was recently ordered to pay $31.5 million after two people were injured while driving a vehicle the shop had repaired

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 Liability Coverage through Burns & Wilcox can provide access to multi-line specialty products designed to address the needs of auto dealers and repair shops. 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

  • Monoline Dealer’s Open Lot and Garagekeepers policies available
  • Packages of Garage Liability, Scheduled Autos, Dealer’s Open Lot, Garagekeepers, On Hook, Property, Business Income and BPP available
  • Admitted and non-admitted options
  • Garage property and scheduled auto packages available
  • Pollution coverage available
  • Wide range of limits available—any size account
  • Premises liability and auto liability combined for these unique businesses
  • Broad range of deductibles available
  • Excess limits available
  • Additional insureds and waiver of subrogation available
  • Dealer’s E&O liability
  • Broad form products
  • Drive other car coverage
  • Fire legal liability
  • Cyber liability
  • Stop gap (OH, WA, WY)

Target Classes

(including but not limited to)

  • Heavy truck and trailer sales and service
  • Classic car restoration
  • Valet parking and parking lot operations
  • Salvage yards
  • New and used auto dealers
  • ATV sales and service
  • Motorcycle sales and service
  • Service and repair garages
  • Alarm, stereo and accessories sales and installation
  • Brake shops
  • Detailing
  • Full service car wash
  • Muffler shops
  • Oil and lube shops
  • Paint and body shops
  • Tire dealers
  • Windshield repair or replacement
  • RV dealers
  • Construction equipment dealers
  • Farming equipment sales and service
  • Trailer sales and service
  • Auto auctions
  • Auto pawns
  • Boat sales and service
  • Fuel conversion
  • Lift kit installation
  • Storage facilities
  • Van conversion


Truck Service & Repair


Motorcycle Repair


Trucker Service/Repair


Auto Repair


Auto Repair Shop


Truck Service & Repair


KY Used Auto Dealer


OH Used Auto Dealer


OH Heavy Truck and Farm Equipment Repair


Motorcycle Repair


Auto Dealer


Service Garage


Trucker Service/Repair

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

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