Florida Garage Liability & Garage Keepers Insurance

The garage keepers legal liability program covers damages such as bodily injury, property damage and certain pollution costs and expenses. These damages must result from an accident during normal garage operations involving the ownership, maintenance or use of covered vehicles.

Whether you are a used car dealership or the neighborhood auto mechanic, we have markets and programs designed to meet your needs. We can build a package that includes garage liability and garage keepers, property, broadened liability, inland marine for tools, commercial auto and workers’ compensation.

Garage general liability is based on the type of garage operations, the number of employees, the location and the limits you need. Premium may be anywhere from $500 and up.

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All auto dealers in Florida are required to carry garage liability. Most major metropolitan counties require it of any business that does work on vehicles, such as auto repair and body work. Check with your county for license and insurance requirements. We recommend it even where it is not required, to protect you from the expense of litigation. Independent used dealers also need a $25,000 surety bond to get licensed.

Garage liability is very similar to general liability, except that it includes liability for autos held by the garage business. General liability excludes autos.