Garage & Dealers

Right Tools & Equipment. Right Coverage.

As a vehicle dealer or repair shop, your insured has a unique set of insurance needs. A garage full of the right tools and equipment can help them get ahead as a dealer or auto repair shop, but it can also be a major liability. With all the money invested to make a facility functional, it is important to get the right insurance to make sure they are covered in the case of an accident. In fact, it is vital for the business success. Let CIG fulfill those needs and help insure your client’s success. For Garage forms click HERE.


  • Garage Legal Liability
  • Garage Keepers
  • New & Used Dealer Open Lot


*Exclusions: Used Tire Shops & any risks that involve any racing exposure.

Looking for coverage for a Motorcycle, Boats, Watercraft, or Off Road Vehicle? Click HERE. Complete the application in addition to the CIG Garage & Dealers Application and send to

Please keep in mind the expected turnaround is 2-3 business days if the ENTIRE forms are completed. State availability can be found at the bottom of this page. 

Unfortunately frequent calls and emails will not expedite your requests. Thank you in advance for your consideration and patience.


What is Garage Liability?

Garage liability is, in effect, the same sort of coverage as general liability insurance that most businesses require except that it is specialized coverage for those who sell and repair cars, trucks, motorcycles, RVs or trailers. In the same way that commercial liability offers protection from accidents such as slip and falls or damaged product, garage liability insurance also protects business owners from claims arising from premise and operations as well as products and completed operations.

How is Garage Liability Different than Commercial General Liability?

Another aspect of coverage that differs from standard commercial liability is that garage liability also provides protection for vehicles used during operations. Garage policies also do not cover personal or advertising injuries like general liability. In fact, garage liability is really a hybrid combination of two policies, Business Auto and general liability combined into one. Garage policies have both accident and aggregate policy limits.

Because garage liability is more narrow in scope than the broader protection of commercial general liability, many companies choose to include endorsements to provide additional coverage such as personal & advertising injuries, liquor liability, fire and non-owned watercraft to name a few.

What about Customer Property?

While garage liability coverage protects vehicles owned by the insured business, it does not extend protection to customer cars left on the premises for service or repair. Coverage for customer’s property falls under garage keepers’ insurance, which is often sold with garage liability to provide more comprehensive coverage to dealers and repair shops; however, it must be purchased as a separate policy.

Garage keepers insurance covers damage to customer property for specific losses such as fire, theft, vandalism, collision or overturn. It can also be written as comprehensive coverage to include all losses except for collision and overturn.

Those companies who need garage liability insurance will often find that garage keepers’ coverage is also needed in order to fully cover the business from whatever accident or physical damage may occur. Taking care to protect business assets from lawsuits and claims with the most comprehensive insurance available is a must for every garage operation today.

Have more questions? Here’s a helpful resource:

Department: Garage & Dealers
Line of Business: Garage Dealers  Towing
Underwriter: Karina Medina
Alabama Y Y N
Arizona Y Y Y
Arkansas Y Y N
California Y Y N
Colorado Y Y Y
Connecticut Y N N
Delaware N N N
Florida Y Y N
Georgia Y Y N
Idaho Y Y N
Illinois Y N N
Indiana Y Y N
Iowa Y Y N
Kansas Y Y Y
Kentucky Y N N
Louisiana Y Y N
Maine Y N N
Maryland Y N N
Massachusetts Y N N
Michigan Y N N
Minnesota Y N N
Missouri Y Y Y
Mississippi Y Y N
Montana Y Y Y
Nebraska Y Y Y
Nevada Y N N
New Jersey Y N N
New Mexico Y Y Y
New York Y N N
North Carolina Y N N
North Dakota Y Y N
Ohio Y Y N
Oklahoma Y Y N
Oregon Y Y N
Pennsylvania Y Y N
Rhode Island N N N
South Carolina Y N N
South Dakota Y Y N
Tennessee Y Y N
Texas Y Y N
Utah Y Y Y
Vermont Y N N
Virginia Y Y N
Washington Y Y N
Wisconsin Y Y N
Wyoming Y Y Y

Still have questions? You can reach our Garage & Dealers Team at (303) 900-2960 ext. 2 during normal business hours.   

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