Ideal Accounts and Appetite
This program is designed for a broad mix of automotive businesses, including but not limited to:
- Used auto dealers
- Auto parts stores with installation (including mobile services)
- Auto repair and service businesses (most types of repair)
- Motorcycle and ATV dealers
- Sales and service centers
- Tow truck operators (owned trucks and on-hook coverage available)
- Valet parking services
- Wholesale auto dealers
- Full-service car washes
- Construction equipment sales and service
- Farm equipment sales and service
- Used truck and tractor sales and service
Whether your client operates a brick-and-mortar facility or provides mobile services, M.J. Hall & Company can help you place coverage that fits their specific operations.
Coverage Highlights and Advantages
This Garage Insurance program addresses both liability and property exposures common to automotive businesses. Coverage may include:
- Garage liability
- Garagekeepers legal liability (GKLL), including on-hook coverage for tow operators
- Physical damage for service vehicles
- Products and completed operations
- Personal and advertising injury liability
The program is underwritten through A-rated carriers, offering peace of mind and financial strength for your insureds.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $1,000 or higher, depending on the class of business and risk characteristics. Submissions should include full details of operations, loss history, and vehicle schedules where applicable. Mobile services and mixed-use operations may be considered on a case-by-case basis.
A good example of a fit might be a used car dealer in California with a small inventory and on-site repair services, or a tow truck operator in Nevada with a few vehicles and a clean loss history.
Territories and Availability
This program is available in the following states:
- Alaska (AK)
- Arkansas (AR)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
Some coverage may be written on a non-admitted basis, depending on state and class eligibility.
Why Work With M.J. Hall & Company?
As a trusted Excess & Surplus Lines Broker, M.J. Hall & Company brings strong market access, underwriting expertise, and responsive service to every account. With deep experience in specialty risks and access to A-rated carriers, they help you find solutions for accounts that may not fit standard markets. Whether placing a straightforward used car dealer or a complex mobile repair business, their team is ready to assist.
Call us today for all of your Garage Insurance needs!
For appointments, contact: [email protected]
Frequently Asked Questions
What types of accounts are a good fit for this Garage Insurance program?
This program works well for used car dealers, mobile and fixed-location repair shops, tow truck operators, auto parts installers, and specialty dealers such as motorcycle, farm, or construction equipment dealers.
Is mobile service coverage available?
Yes, mobile repair and installation services are eligible under this program, subject to underwriting review.
Do you offer Garagekeepers Legal Liability (GKLL) coverage?
Yes, GKLL is available and can include on-hook coverage for tow truck operators.
Which states is this program available in?
The program is available in Alaska, Arkansas, California, Hawaii, and Nevada.
What is the minimum premium for this program?
Minimum premiums start at $1,000 or higher, depending on the class of business and individual risk factors.
Need help placing an account? Connect with a market specialist.