U.S. Risk Insurance Group offers a specialized Garage Liability Insurance program tailored for both dealer and non-dealer operations. This program is built to help agents and brokers secure comprehensive coverage solutions for clients in the automotive service and sales industry—especially those with complex risks or new ventures.
Ideal Accounts and Appetite
This program is an excellent fit for a wide range of dealer and non-dealer businesses. Dealer classes include:
- Used Car Dealers – Retail & Wholesale
- Used Truck Dealers
- Used Motorcycle Dealers
- Used RV Dealers
- New Ventures Welcome
Non-dealer classes include:
- Auto Repair Shops
- Body Shops
- Tire Sales and Installation
- Heavy Truck Repair
- Motorcycle Repair Shops
- Valet Parking Services
- Other related classes considered—call for underwriting review
Whether your client is a startup used car dealer or an established truck repair shop, this program offers broad eligibility and flexibility.
Coverage Highlights and Advantages
The U.S. Risk Garage Liability program provides a robust set of coverages designed to protect against the unique exposures found in garage operations. Key coverages include:
- Garage Liability Limits: $1M / $3M
- Medical Payments
- Uninsured/Underinsured Motorist
- Personal Injury Protection (PIP) where applicable
- Non-Owned Auto Liability
- Dealer’s Errors & Omissions Liability
- Dealer’s Open Lot Coverage
- False Pretense
- Garagekeepers Liability
Additional coverages available:
- Property Coverage
- Workers Compensation
These coverages can be bundled to offer your insureds a customized solution that meets their operational needs and risk profile.
Underwriting Notes and Minimum Premiums
Most quotes are turned around within 24 hours, helping you keep your clients moving forward quickly. The program has a minimum premium starting at $1,000, making it accessible for smaller operations and startups. Appetite includes new ventures, and underwriting is flexible based on the submission details.
Territories and Availability
U.S. Risk offers this program in the following states: AL, AR, CO, FL, GA, MS, NC, OH, OK, PA, TN, and VA. Admitted paper is available in some states, and carrier options vary depending on jurisdiction. Other states may be available on a submission-by-submission basis—contact underwriting for availability.
Why Work With U.S. Risk?
As a Managing General Underwriter with deep market access and program expertise, U.S. Risk delivers tailored solutions for agents serving the garage and auto service sectors. The team understands the unique risks these businesses face and provides competitive coverage options and responsive service to help you win and retain business.
Call U.S. Risk today to discuss your Garage Liability Insurance accounts—or visit our company profile for more programs.
Frequently Asked Questions
What types of accounts are a good fit for this Garage Liability program?
This program is ideal for used car dealers, repair shops, body shops, tire retailers, and even valet services. New ventures are considered as well.
Is this program available in my state?
The program is available in AL, AR, CO, FL, GA, MS, NC, OH, OK, PA, TN, and VA. Other states may be eligible on a submission basis.
What is the minimum premium for this program?
The minimum premium starts at $1,000, making it accessible for small businesses and startups.
Are additional coverages like Workers Comp or Property available?
Yes, Property and Workers Compensation coverages can be added to create a more complete insurance package.
How quickly can I expect a quote?
Most quotes are turned around within 24 hours, depending on the completeness of the submission.
Need help placing an account? Connect with a market specialist.