• Garage Liability
  Garage Liability covers two types of liability, “Garage Operations” and “Other Than Covered Autos”. Garage Operations covers auto exposure for bodily injury and property damage while Other Than Covered Autos provides liability insurance for the dealer lot or premises. Think of it as a General Liability policy, but for business owners that sell and services vehicles.
  The State of Florida requires all dealers to carrier a minimum of $25,000 in garage liability and Personal Injury Protection (PIP) at $10,000.
  
• Surety Bond (Also referred to as a Dealer Bond)
  Bond that is designed to protect customers and the state against a dealership committing fraud.
  
• Blanket Dealers Open Lot (DOL) up to $10 Million Dollars
  Inventory coverage for both new and used inventory
  
• Garage keepers
  Protects customer’s auto/boat/etc. when you are keeping it at a covered location
  
• Commercial Auto/Scheduled Auto’s
  Liability and/or physical damage for vehicles owned by the business
  
• Business Interruption
  Protects your business from loss of income in the event your business is closed due to a covered loss
  
• Workers Compensation
  Wage replacement and medical benefits to an employee injured on the job
  
• Errors and Omissions
  Protects your business from claims caused by negligent acts, errors, or omissions
  
• False Pretense Coverage
  Protects against losses due to voluntarily parting with a vehicle If induced to do so by any fraudulent act, scheme, trick, or purchasing the vehicle from a seller who did not have legal right to sell
  
• Diminished Value Coverage
  Allows you to recover the diminished value of a vehicle after a covered loss

Frequently Asked Questions

Who much is Garage Liability?

Garage Liability policies can run as low as $700 per year. The factor that influence price as type of business (Dealership, Repair Shop, valet service, ect.), location, number or employees, requested limits and optional coverages.

How much is Garage Liability Insurance per month?
Many of the insurance companies require payment in full, but do allow us to finance the insurance premiums. Typically that is about 32% down, so if the policy is $1,000 per year that would be $320 down and 10 equal payments of $68 + finance fees.

What insurance is required in Florida for Garage Liability?

State of Florida requires $25,000 in liability insurance. Most insurance companies will round that to $30,000 with limits going up to $1 million.

How fast can I get a policy?

We take your information down, send it to our insurance companies then compare rates to find you the best price. This takes 24 hour turnaround time.

What is the difference between General Liability and Garage Liability?

General Liability is for businesses that do not involve any vehicle liability such as main street business and contactors. Garage Liability involves business that have vehicles such as dealerships and repair shops.

If I own a repair shop what additional coverage do I need to protect my customers vehicles?

Repair Shops typically will have the standard Garage Liability and add garage keepers. Garage Keepers is for the care, custody and control of customers vehicles. This coverage protects you in the event that you damage a customers vehicle.

What additional coverage should I add if I own a Dealership?

Dealership will have the standard Garage Liability and many add Dealer Open Lot. Dealer Open Lot provides coverage for the dealerships inventory.

Florida Dealership Insurance – Dealer Open Lot

The most challenging coverage to get for Florida based auto dealers is physical damage for the inventory, referred to as Dealer Open Lot. More and more insurance carriers are leaving states where there is a higher possibility of loss resulting from weather related losses. This is leaving many dealerships looking for this valuable coverage to protect their investment.

Want to learn more? Click here – Dealer Open Lot

Florida Repair Shop Insurance – Garage keepers Insurance

While discussing liability coverage above, we noted that there was no coverage for the customer’s vehicles. That is where Garage keepers’ coverage will come in. This is a very important coverage to have, not only to protect your customers, but also the garage owner.

Want to learn more? Click here – Garage Keepers Liability

⭐⭐⭐⭐⭐“The crew at barbee Jackson are amazing, always helpful and a phone call away. Super easy to deal with. They have helped me with coverage for both my businesses and I would call anybody else. D&D service and sales & DM elite solutions. Are proud to be backed by Barbee Jackson” David Michelini

Whether you are a Motor Vehicle Dealer or Repair Facility, Barbee Jackson Insurance is here for you to get the coverage you need at the best price. 

Call one of our Garage Insurance Agents to find out which coverage options is best for you garage operation (850) 389-2001