If your business sells, services, stores, or parks automobiles, Motorcycles, RVs, or Trucks you need Garage Liability Insurance (or Automotive Dealership Insurance) coverage to protect yourself and your business. Garage Liability is the base of any garage policy and most of the time they are sold on an à-la-cart basis so you can pick and choose what coverage fits your needs and budget.
You can add:
- Medical Payments
- Personal Injury Protection
- Uninsured Motorist
- Underinsured Motorist
- Physical Damage Coverage (Open Lot Coverage)
- Garage Keepers (if you service or store customers vehicles)
There are more less popular coverages but these are the most common.
These coverages may look very familiar to your personal or commercial auto policy. The reason is Garage Liability/Automotive Dealership insurance is basically two types of Liability packaged into one policy General Liability for your Business and Auto Liability for when vehicle are driven.
