What Does Our Policy Offer?

Our Garage form combines coverages found in the Commercial Auto and General Liability forms in order to address the unique needs of your clients.

  • Liability limits up to $1,000,000 each accident with $3,000,000 aggregate
  • $2,000,000 limit available for the TIV of Garagekeepers and/or Dealers Physical Damage.
  • Higher liability limits and additional TIV can be considered
  • Broadened coverage endorsement included at no charge
  • Endorsements available for additional interests, including: Additional Insureds/blanket Additional Insureds, Primary & non-contributory wording, and Waiver of subrogation
  • Broad range of vehicle types considered
  • Single vPak policy available when writing with general liability and/or professional liability.


Service & Repair Shops
  • Service & repair - autos, motorcycles, commercial trucks, emergency vehicles and recreational vehicles
  • Conversions - food trucks, mobility
  • Auto restoration - classic cars
  • Impound lots
  • Salvage yards
  • Valet parking
  • Coverage available for Broad Form Products
Licensed Dealers
  • Non-franchised used car dealers
  • Motorcycle dealers
  • Commercial truck dealers
  • Emergency vehicle dealers
  • Recreational vehicle dealers
  • Drive-away collision offered with 300 miles, with increased miles available
  • Coverage available for Errors & Omissions, Drive Other Car and False Pretense
Also Considered
  • Contractors & agricultural equipment
  • Watercraft (when ashore)
  • Service autos in conjunction with a garage operation
  • Miscellaneous auto types (e.g., golf carts, street sweepers)


  • Located in a favorable legal venue
  • In business at least 3 years or new ventures with prior automotive industry experience
  • Use a website to inform the public on the services and products they provide
  • Valid license; MVR free of frequent and severe incidents
  • A history free of frequency and severity of loss
  • Operations within our target market & incidental operations less than 25%

Our Garage Underwriting Team