We got you covered

Garage Insurance

Protect your shop, your people, and every car in your care.
Get Started

12 years of serving people

100% customer satisfaction

20+ coverage options to choose from

garage insurance

Garage Insurance Provided By Our Agency

Whether you run a repair shop, towing service, detailing studio, or car wash one mishap can get expensive fast. Garage Insurance is designed for automotive businesses covering injuries, property damage, customer vehicles in your custody, inventory on the lot, and more. We’ll help you build a policy that fits the way you actually operate.

Click And Learn

Garage Liability
Garagekeepers
Dealers Open Lot
False Pretense
Towing & Road Service

Garage Liability

Risk Factors

During a test drive, a customer gets into an accident and another driver is injured.

Solution

Garage Liability helps cover bodily injury and property damage you’re legally responsible for from your operations, premises, and road tests.

Garagekeepers

Risk Factors

A technician accidentally dents a customer’s vehicle while moving it into a bay.



Solution

Garagekeepers coverage helps pay for damage to customers’ autos while they’re in your care, custody, or control whether from accidents, fire, theft, vandalism, or weather (coverage forms vary).

Dealers Open Lot

Risk Factors

A hailstorm damages multiple vehicles on your sales lot.

Solution

Dealers Open Lot (DOL) helps protect your owned inventory against comprehensive and collision losses, including weather, theft, and collision.

False Pretense

Risk Factors

Someone uses fake identity and drives off with a vehicle during a “test” that was never returned.

Solution

False Pretense coverage can help when a vehicle is lost due to trick, scheme, or fraud.

Towing & Road Service

Risk Factors

Your rollback is involved in a fender-bender while transporting a customer’s car.


Solution

Commercial Auto plus the right on-hook/cargo and garagekeepers options help protect your truck, liability, and the customer’s vehicle being towed.

What is Garage Insurance?

Garage Insurance bundles coverages tailored for automotive businesses. It can include liability for injuries and property damage, protection for customers’ vehicles left with you, coverage for dealer inventory, and protection for your own building, tools, and equipment. In short, it helps safeguard your day-to-day operations in the garage and on the road.

Need for Personalized Garage Insurance

Choose a plan that matches your business size, services, and risks.

Protect Your Operations
Covers injuries and property damage from your premises, services, and road tests.

Protect Customers’ Vehicles
Helps pay for damage to cars you park, service, store, or tow.

Protect Your Assets
Covers your building, contents, tools, equipment, and if you’re a dealer, vehicles on the lot.

What are the different types of Garage Insurance coverage?

We’ll work with you to learn about your business and help you identify the coverages that make sense for your situation. To begin, we encourage auto dealers to consider the following coverages:

Here are common coverages to consider:

  • Garage Liability – Bodily injury & property damage from your operations, premises, and test drives.
  • Garagekeepers (Legal Liability / Direct Excess) – Damage to customers’ autos in your care (service, storage, or parking).
  • Dealers Open Lot (Inventory) – Comprehensive & collision for dealer-owned vehicles on the lot or in transit.
  • Commercial Auto – Your service trucks, parts runners, tow trucks, demo units, and dealer plates.
  • Business Property & Business Income – Your building, contents, and lost income after a covered loss.
  • Tools & Equipment / Inland Marine – Employee tools, diagnostic gear, lifts, compressors, specialty equipment.
  • Errors & Omissions (Dealer E&O) – Title paperwork, prior damage disclosure, truth-in-lending and similar mistakes.

Already have Garage Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
Request a Quote

Get Personalized  Insurance

Name(Required)
This field is for validation purposes and should be left unchanged.
Laurenza Insurance Group
We extend coverage to individuals and businesses in Casselberry, FL and surrounding areas.
328 Wilshire Blvd. Casselberry, FL 32707
(407) 261-2363
(407) 848-1147
© 2025 LIG Specialty Insurance Designed by Amplispot
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram Skip to content