If you run an auto repair shop, body shop, car dealership, or towing company, you have a category of insurance exposure that most business owners do not: customer vehicles. When a customer drops off their car, it is in your care. If it is damaged, stolen, or involved in a test drive accident, that is your problem. Garage insurance is the specialized policy that covers exactly this scenario — and it is the only type of coverage built for the automotive service industry.
What Does Garage Insurance Cover?
- Garagekeepers legal liability for damage or theft of customer vehicles in your care
- Garage liability for bodily injury and property damage caused by your operations
- Products and completed operations for faulty repairs discovered after customer pickup
- On-hook towing liability for vehicles being towed or transported on your equipment
- Dealers open lot coverage for new and used vehicle inventory on the lot
- Drive-other-car coverage for employees using customer or dealer vehicles
- Property coverage for the shop building, equipment, and specialty tools
- Workers compensation for mechanics, technicians, and service staff
What Happens When a Customer Car Is Stolen From Your Lot?
Your general liability policy almost certainly does not cover customer vehicles. Without a garagekeepers legal liability endorsement, a stolen or fire-damaged customer car becomes a direct out-of-pocket loss for your business. In Florida, where auto theft rates are among the highest in the nation, this is a real and recurring risk for repair shops, dealerships, and impound facilities.
Who Needs Garage Insurance in Florida?
Any business that routinely handles customer vehicles needs garage-specific coverage: auto repair and maintenance shops, body shops and collision centers, auto dealers (new and used), specialty shops (tires, glass, audio, detailing), towing and recovery companies, parking garages and valet operations, and motorcycle or boat dealers. The type of garage policy and endorsements you need depends on whether you primarily service vehicles, sell them, or both — and we help you identify the right program for your operation.
Get Garage Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Garage Insurance options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.