What Does Our Policy Offer?

The Garage Coverage form combines coverages found in the Commercial Auto and General Liability coverage forms in order to address the unique needs of certain auto-related businesses.

  • 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 limits and more TIV can be considered.
  • Garage Coverage Form, plus ISO endorsements and Company endorsements


Service & Repair Shops
  • Service & repair - autos, motorcycles, commercial trucks & emergency vehicles
  • Conversions - food trucks, mobility
  • Auto restoration - classic cars
  • Valet Parking
  • Impound lots
  • Salvage yards
Licensed Dealers
  • Non-franchised Used Car Dealers
  • Motorcycle Dealers
  • Commercial Truck Dealers
  • Emergency Vehicle Dealers
Also Considered
  • Contractors & Agricultural Equipment
  • Watercraft (when ashore)
  • Service Autos in conjunction with a garage operation
  • Emergency Vehicle Dealers


  • 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

| a Berkley Company