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Garage Liability Insurance

Garage Liability Insurance – Protect Your Clients

Nightmare scenarios: a car dealer sends a customer out for a test drive and they crash the car. Or someone brings a vehicle to your client’s repair shop and their staff damages it, leaving them with an angry customer and a potential lawsuit.

There are many ways garages and car dealers can face penalties for on-the-job accidents and incidents. Following one December 2019 lawsuit, an auto firm and one of its mechanics were ordered to pay $21 million to a person injured when the mechanic struck them during a test drive.

Clients in the garage industry represent an excellent opportunity to write more business, precisely because they want to avoid such problems. Nobody wants to be on the hook for a multi-million dollar lawsuit, which can destroy a business’s finances and reputation.

Your clients in the auto industry need garage liability insurance to ensure they are protected from damages arising from such things as test drives and repair work. Our garage liability coverage includes auto liability and general liability, which can consist of premises and bodily injury coverage. With endorsement, your clients can add care, custody and control, Dealer’s Open Lot (DOL), garage keepers legal liability insurance (GKLL), and over-the-road (OTR) physical damage. All of these are excellent for dealership operations and service/repair operations.

Here’s how garage liability insurance can benefit these clients, making for an excellent selling point, especially backed by Prime Insurance Company’s history of helping insureds get the coverage they need.

Benefits of Garage Liability Insurance for Your Clients

Dealerships have a lot of money tied up in vehicles on the lot. Garage liability insurance covers wholesalers and retailers, both of whom may be dealing with vehicles moving around, whether it’s transport from one auction site to another or test drives. Coverages for dealers’ open lots include physical damage, along with fire, lightning, theft, and vandalism.

For repair and service shops, this coverage protects companies who employ mechanics and drivers who may test drive or otherwise operate their clients’ vehicles. Optional coverages include products and completed operations, and also bodily injury or property damage occurring from the shop’s work or product.

Adding garage keepers direct primary coverage and garage keepers legal liability coverage, your clients will be covered for damages regardless of legal liability. They will be covered for damages they are legally obligated to pay.

Working with Prime Insurance Company

We’re your partner in providing expedient, accessible insurance to your clients seeking garage liability coverage. Prime is built on a commitment to ensuring that every insured gets a fair shot at getting the coverage they need, regardless of how other insurers have treated them in the past. Even if your clients have been declined or if they think that they won’t qualify for garage liability insurance, reach out to us to find out what we can do. We can’t guarantee that we will meet every need, but we understand specialty risks. We appreciate how challenging this can be for your clients and we know how to find solutions.

Whether you want to extend the garage liability insurance coverage you offer for hard-to-place clients or you’re interested in expanding your offerings to a new market, we are here to help. In any case, you and your clients can rely on our expertise in risk management.

We take a partnership approach to insurance and risk management. We extend our expert advice, guidelines, and recommendations to your clients to reduce the risk of avoidable claims.

If your clients have a garage liability claim, we work to deal with it fairly, efficiently, and transparently. We offer 24-hour assistance and a commitment to clear communication. Rest assured that you and your clients are in great hands with Prime Insurance Company.

Garage liability insurance is something that every individual and company involved in the auto industry should consider. We are happy to help you and your customers navigate different kinds of coverage to ascertain what they need. Our expertise will be invaluable when it comes to securing protection against damages and risks.

To learn more about Prime Insurance Company, please send us an email at quotes@primeis.com, call us at 800-257-5590, or go to our website. On our site, you will be able to check out our full line of coverage.

For more about our philosophy, our expertise, and what we do for our clients, follow us on Facebook, LinkedIn, YouTube, Twitter, and Instagram.


rick lindseyReviewed by Rick Lindsey, Owner of Prime Insurance

Rick Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.

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