Garage Liability
Our garage liability coverage is built to protect auto dealers, repair shops and service providers from the everyday risks that come with running a garage. From customer injuries to property damage, this policy provides broad protection for the real-world exposures faced by automotive businesses.
Target Classes
This coverage is designed for businesses with a physical location involving any form of vehicle storage, maintenance or sales. Our policy benefits a wide range of automotive-related operations, including:
- Automotive Repair Shops
- Tow or Impound Lots
- Muffler and Transmission Shops
- Heavy Truck Sales and Repairs
- Dealerships
- Upholstery Shops
- Tire Dealers and Service – new tires and private passenger autos only.
Coverage Details
Lane & Associates’ garage liability insurance offers:
- Liability limits: Up to $1,000,000/$3,000,000
- In-house physical damage/garage-keepers lot limit: Up to $1,000,000, with higher limits available to meet specific business needs.
- Minimum premiums: $500 for service risks and $750 for dealers
Coverage & Limits
Covered Autos Liability
$1,000,000
General Liability BI and PD
$1,000,000
Damage to Premises Rented to You
$300,000
Personal and Advertising Injury
$1,000,000
General Liability Aggregate
$3,000,000
Products and Work You Perform Aggregate
$3,000,000
Products and Work You Perform Aggregate
$3,000,000
Locations and Operations Medical Payments
$5,000
Acts, Errors or Omissions Liability
$50,000
Auto Medical Payments
$5,000
In-House Physical Damage Lot Limit
$1,000,000*
In-House Garagekeepers Lot Limit
$1,000,000*
Per auto limit (less than 26,000 lbs. GVW)
$65,000
Per auto limit (26,000 lbs. GVW or greater)/span>
$150,000
False Pretense
$50,000
Garagekeepers In-Transit
$150,000**
INTEGRITY. QUALITY SERVICE. PERSONAL ATTENTION.
At Lane and Associates, we care about the little things and diligently work to help you reach your goals. Our partners choose us because they believe in our ability to meet and exceed their expectations. We provide insurance products that offer quality protection with value pricing. We strive to establish successful partnerships with our clients, our retail agents and the insurance companies we represent.
At Lane and Associates, we care about the little things and diligently work to help you reach your goals. Our partners choose us because they believe in our ability to meet and exceed their expectations. We provide insurance products that offer quality protection with value pricing. We strive to establish successful partnerships with our clients, our retail agents and the insurance companies we represent.