Garage & Dealer Insurance
Garage & Dealer Insurance for the Shop and the Lot
Garage liability, garagekeepers, dealer open lot, and dealer bonds for auto repair shops and car dealers in Illinois, Iowa, Wisconsin, and Indiana. We shop multiple carriers so you don't have to.
- ✓Repair Shops & Dealers
- ✓Dealer Bonds Available
- ✓Serving IL, IA, WI & IN
Free, No-Obligation Quote
Get Your Free Garage & Dealer Insurance Quote
One application. 30+ carriers. A licensed agent reviews every quote.
Get a Garage Quote →📞 (815) 691-1111Prefer to text? Text (815) 691-1111
Who We Insure
Coverage for Repair Shops and Car Dealers
Auto repair shop insurance and car dealer insurance from one agency.
Auto Repair Shops
Coverage for the work you do and the customer vehicles in your bays.
- General and specialty repair
- Body and collision shops
- Tire, lube, and oil change
- Transmission and engine rebuild
Car Dealers
Coverage for your lot, your inventory, and your dealer license.
- Independent used car dealers
- Buy-here-pay-here lots
- Wholesale dealers
- Dealers with an attached service department
One application. Multiple garage and dealer markets.
Compare My Rate →The Problem
Why Garage Insurance Is Hard to Get Right
Most coverage gaps show up after a claim. These are the ones we see most.
Customer Cars in Your Care
Garage liability does not cover damage to customer vehicles in your shop. That takes garagekeepers coverage.
Test Drives
Road tests and customer test drives need garage auto liability. Personal and standard auto policies do not respond.
Faulty Work Claims
A repair that fails after the car leaves your shop is a completed operations claim. Not every policy includes it.
Lot Losses
Hail, theft, and flood can hit an entire inventory at once. Dealer open lot limits need to match your peak stock.
Dealer Bond Requirements
State dealer licensing requires a surety bond. A lapse can hold up your license renewal.
Tools and Equipment
Lifts, diagnostic equipment, and hand tools are often underinsured or left off the property schedule.
Coverage
What We Cover
Garage and dealer coverage built around your operation.
Garage Liability
Bodily injury and property damage to others from your shop or dealership operations, including completed work.
Garagekeepers
Damage to customer vehicles in your care, custody, or control. Legal liability and direct coverage options.
Garage Auto Liability
Owned and dealer-plated vehicles, road tests, and customer test drives.
Dealer Open Lot
Physical damage to your vehicle inventory from hail, theft, vandalism, fire, and flood.
Tools & Equipment
Lifts, diagnostic equipment, and tools, on premises or in transit.
Property & Business Income
Building, contents, and lost income after a covered loss.
Workers Comp
Employee injury coverage for technicians, detailers, and sales staff.
Umbrella
Extra liability limits above your garage and auto policies.
Shops We Insure
Garage Insurance for Every Kind of Shop
Garage and dealer insurance quotes for single-location shops and multi-bay operations across Illinois, Iowa, Wisconsin, and Indiana.
General Repair
Mechanical repair, diagnostics, brakes, and maintenance.
Body & Collision
Collision repair, paint, and frame work.
Tire & Lube
Tire sales, oil change, and quick-service shops.
Transmission & Engine
Rebuild and specialty drivetrain shops.
Used Car Dealers
Independent and buy-here-pay-here dealers.
Wholesale Dealers
Auction buyers and dealer-to-dealer sales.
Pricing
What Affects Garage Insurance Cost?
Every shop and lot is rated differently. These are the biggest factors.
Revenue and Payroll
Garage liability and workers comp are rated largely on sales and payroll.
Vehicle Values
Garagekeepers and open lot premiums follow the value of cars in your care and on your lot.
Security and Storage
Fencing, lighting, cameras, and indoor storage lower theft and hail exposure.
Loss History
Three to five years of clean loss runs open up more carriers and better rates.
Tell us about your shop or lot. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| What is the difference between garage liability and garagekeepers? | Garage liability covers injury and property damage to others from your operations. Garagekeepers covers customer vehicles in your care, custody, or control, such as cars being repaired, stored, or road tested. |
| Does garage liability cover customer cars in my shop? | No. Damage to customer vehicles in your care is excluded from garage liability. You need garagekeepers coverage. |
| What is dealer open lot coverage? | Dealer open lot is physical damage coverage for your vehicle inventory. It covers losses such as hail, theft, vandalism, fire, and flood. |
| Do I need a dealer bond? | Most states require a surety bond to get or renew a dealer license. We can place the bond along with your insurance. |
| Are test drives covered? | Test drives are typically covered under garage auto liability. Coverage for customer drivers varies by carrier. |
| Am I covered if a repair fails after the car leaves my shop? | Completed operations coverage protects you when finished work later causes an accident or damage. Confirm it is included on your garage liability policy. |
| Can you quote workers comp and property with my garage policy? | Yes. We can package workers comp, property, tools and equipment, and umbrella with your garage or dealer policy. |
| What do I need to get a quote? | Business address, years in business, annual revenue, payroll, services offered, vehicle inventory values for dealers, and three to five years of loss runs if available. |
Get Started
Protect the Shop and the Lot
One application. Multiple garage and dealer markets. A licensed agent reviews every quote.
✓ Repair Shops & Dealers · ✓ Dealer Bonds Available · ✓ Serving IL, IA, WI & IN