Garage/Repair Shop Insurance & Car Dealership Insurance

Cover the unique risks associated with your auto business.

Auto Dealer Insurance

Protect your showroom, inventory, and employees with auto dealer insurance. With such high-dollar vehicles on your lot, it's important to keep insurance coverage on all your items. Imagine a vehicle is stolen, or a test driver wrecks a vehicle, or a storm comes in and totals one or more of your vehicles. Without insurance, your company is in danger of losing tens, if not hundreds, of thousands of dollars.
Mechanics working on vehicles in repair shop

Garage Liability Insurance Coverage

Running and managing an auto repair shop can be challenging at times, and it's vital you take steps to protect yourself from the unexpected. To safeguard yourself and your business, you should consider the benefits of repair shop insurance. If your establishment is not part of a dealership, then garage insurance for non-car dealers can offer the coverage that you need.

This type of insurance protects you from the liability cost of client slips or falls and from accidental damage you may cause to a vehicle. If your employees work on a vehicle and something breaks, you would need to pay for repairs and replacements out of your own wallet. This insurance protects you from liability claims in the event you cause property damage.

  • Get liability coverage that reimburses costs
  • Protect yourself from paying for damage to a client’s vehicle
  • An extra safety net for garage businesses

Do I need garage insurance or auto dealers insurance?

Garage insurance covers vehicle maintenance businesses. Several auto dealers have an attached shop. If your business also offers maintenance and repairs to your customers, you should get garage insurance included in your policy. This protects not only your inventory and vehicles on the lot from damages and accidents, but it also protects your business from accidents in the garage.

The following business types should obtain the appropriate coverage: 

  • Automotive repair shops
  • Body shops
  • Tow or impound lots
  • Muffler shops
  • Transmission shops
  • Auto dealerships
  • Tire and battery repair facilities
  • Car dealerships with garages
  • And many more
Please contact us so that we can offer the best coverage option for your type of business.
Mechanic holding wrench and person giving thumbs up

What is garage insurance?

This coverage is equivalent to combining commercial auto insurance coverage and commercial general liability. This means your repair shop is covered from paying for accidental damage to a client’s vehicle and accidental bodily injuries in your shop.

As a garage owner, you use large equipment that could sometimes become dangerous to your employees. Your day-to-day business operations could cause physical damage to a vehicle. This insurance is the best option to protect your finances from a range of events you could be held liable for.

  • Garage insurance is like having general liability insurance and commercial auto insurance in one policy
  • Protect from paying for client or employee accidents in the shop
  • Insurance coverage for accidental damages to client property
Person placing hands protectively over small model car

Does auto dealers insurance cover new and used vehicles?

Yes. For a car dealership, dealers insurance offers coverage for the new and used vehicles they have. All of your vehicles would be covered in the policy.

For some dealers insurance proposals, the policy can be endorsed to include some of the important coverages that are under garage insurance.
Insurance agent smiling

Insurance Agents You Can Trust

Our goal is to provide insurance that gives you peace of mind. You have many customers every day, and your employees handle high-dollar vehicles and equipment. Just one accident can lead to damage that costs your business more money than you can afford.

Our experienced agents are ready to find the best insurance policy to keep your business protected.

Do you have a question about garage/repair shop insurance & car dealership?

Our agents are ready to answer any of your questions.
Guardian Insurance Group is an independent insurance agency that serves customers in Tennessee, Arkansas, and Mississippi. They offer a wide range of personal and commercial insurance products, including auto, home, and business insurance.

Guardian Insurance Group is committed to providing clients with the best possible service. They have a team of experienced and knowledgeable agents who are dedicated to helping their customers find the right insurance coverage for their needs. Guardian Insurance Group also offers a variety of online resources to help their customers manage their insurance policies.

In 2022, Guardian Insurance Group was voted in the top three for Best Insurance Agency by the DeSoto Times-Tribune. This award is a testament to the hard work and dedication of the agency's team. Guardian Insurance Group has locations in Memphis, TN, Southaven, MS and Byhalia, MS and is committed to providing clients with the personalized and unique service they deserve.
Logo transparent text white left aligned original
Trusted choice logo white footer left aligned original