Garage Liability Insurance

Garage Insurance Coverage

Garage liability insurance covers the financial costs associated with medical bills, personal property damage, and legal fees arising from business operations. It also covers products manufactured or sold by the shop.

What Does It Cover?

Garage insurance covers potential injury or property damage as a result of normal business operations. Types of incidents include:

  • A customer slips and falls on oil in your shop and breaks their leg.
  • A car that’s being worked on, that is hoisted up falls on a customer’s foot.

Garage Liability Insurance Vs. Garage Keepers Insurance

Garage Keepers insurance covers property damage to a customer’s car such as vandalism, theft, extreme weather and other accidental damage which is typically not included in a standard garage liability policy.

Who Needs Garage Insurance Coverage?

  • Auto repair shops
  • Oil change and lube shops
  • Tow truck operators
  • Parking garages
  • Car dealerships
  • Service stations
  • Emissions testing sites
  • Vehicle painting operators
  • Sound repair and installation shops

How Much Is It?

Premiums for garage insurance coverage vary. Insurance carriers consider number of employees, driving records, type of business, shop locations and several other factors when underwriting a potential policy. So remember to compare prices before you buy. is an online insurance comparison website. We provide you with the latest insurance news and free business insurance coverage quotes to compare.

About Dale Williams

Dale Q. Williams, MBA, is a well-respected financial executive whose experience spans from insurance to investment banking. Dale has first hand underwriting experience through working for one of the largest U.S. based insurance carriers, and advisory experience from working for several bulge-bracket and middle-market investment banks. Dale also received his MBA from University of Chicago Booth School of Business, with concentrations in finance and accounting.