Garage Insurance Is a Specialty — We Know It
Garage risks require specialized coverage that standard commercial policies don't provide. Whether you're an auto repair shop in Rockford, a used car dealer in the Loves Park area, or a towing company operating throughout Winnebago County, we work with garage specialty markets to build the right package.
Auto Repair & Body Shop Coverage
- Garage Liability — covers bodily injury and property damage arising from your garage operations
- Garagekeepers Legal Liability — covers customer vehicles in your care, custody, and control
- Commercial Property — covers your building, equipment, and tools
- Workers Compensation — required if you have employees
- Commercial Auto — covers shop vehicles and loaner cars
- Umbrella — additional liability protection above your garage policy
Auto Dealer Coverage
- Dealers Open Lot — covers vehicles on your lot against damage and theft
- Garage Liability — covers your dealership operations and test drives
- Dealers Errors & Omissions — covers paperwork mistakes in vehicle sales
- Dealer Plates Coverage — required for dealer plate operations
- Garagekeepers — covers customer vehicles in for service
Towing Company Coverage
- Commercial Auto Liability — covers your tow trucks and drivers
- On-Hook Towing Liability — covers vehicles being towed
- Garagekeepers — covers vehicles stored in your lot
- General Liability — covers your premises and operations
Frequently Asked Questions
What is garagekeepers insurance?
Garagekeepers covers customer vehicles while they are in your care — parked in your lot, being serviced, or stored overnight. If a customer's car is damaged or stolen while at your shop, garagekeepers pays the claim. Most auto repair shops and dealers need this coverage.
Do I need a dealer supplement to get quoted?
Most carriers require a completed dealer supplement application for auto dealerships. We make this process easy — our intake system collects everything you need to submit to underwriters quickly.