Programs · Garage & Auto Services
Insurance for Michigan garage and auto service businesses
Automotive businesses take possession of customers' vehicles, store valuable inventory and handle sensitive data. We build coverage packages for dealers, shops and detailers through carriers that specialize in the auto industry.
Schedule a Coverage ReviewWhat insurance does an auto service business need?
Most auto service businesses need garage liability for their operations, garagekeepers coverage for customers’ vehicles in their care, property coverage for the building, equipment and tools, workers’ compensation for employees, and a commercial umbrella above the liability limits. Dealers add physical damage on vehicle inventory. Depending on the business, cyber liability, crime, employment practices liability and pollution coverage for storage tanks may also apply.
| Coverage | What it actually touches | Where it stops |
|---|---|---|
| Garage liability | Injury or damage to others arising from your premises and operations | Damage to customers’ vehicles in your care |
| Garagekeepers | Customers’ vehicles while in your care, custody or control | Your own vehicles and inventory |
| Property | Building, equipment, tools, signs and contents | Vehicles |
| Workers’ compensation | Employee injuries on the job | Injuries to customers and the public |
Which automotive businesses do your programs cover?
We work with businesses across every phase of the auto industry: new and used car dealers, both franchise and independent; auto service and maintenance shops; repair and body shops; parts stores, warehouses and online sellers; car washes and detailers; and performance shops. Each has different exposures, so we match the business to carriers whose programs fit its operations and classifications.
- Auto Dealer Insurance — New or used, foreign or domestic, franchise or independent
- Car Washing & Detailing Insurance — Full-service, exterior, in-bay, self-service and hand wash operations
Why work with an agency that specializes in garage insurance?
Garage businesses are classified and rated differently from most commercial risks, and carriers vary widely in appetite, discounts and the features they include. An agency with relationships across several commercial carriers can compare those programs and assemble a package built for the exposures you face every day, then adjust it as you add locations, services or employees.
Related: Auto Dealer Insurance · Car Washing & Detailing · Commercial Auto · Workers’ Compensation · Commercial Insurance Programs
This page is educational and does not alter any policy. Coverage is determined by the actual policy forms, endorsements and declarations issued by the insurer.