Overview — GARAGE LIABILITY Insurance from Advanced E&S Group - Southeast Region
Advanced E&S Group - Southeast Region offers a specialized GARAGE LIABILITY program designed for agents placing automobile dealers and repair-related risks. As a managing general agency, we provide access to various non-admitted carrier capacity tailored to garage operations, dealers, and service shops. This program focuses on the everyday liability exposures that arise from selling, servicing, detailing, parking, and transporting customer vehicles.
Who this program is built for
New/Used Car Dealers
- Dealers Pickup Trucks
- Private Passenger Autos
- Sports Utility Vehicles
- Heavy Trucks
- Recreational Vehicles
- Motorcycles
Non Dealer Repair Services
- Auto Repair Shops
- Paint or Body Shops
- Car Washes – Full Service Only
- Detail and Clean Up Shops
- Heavy Truck Repair
- Lube and Oil Change Shops
- Motorcycle Repair
- Recreational Vehicle Repair (RV’s)
- Tire Shops
- Valet Parking
- Mobile Detailing
Coverage highlights and advantages
This GARAGE LIABILITY program addresses core exposures agents see on dealer and repair-shop accounts, including premises and operations liability, on-site test drives, valet operations, and liability arising from custodial care of customer vehicles. The program can include coverage elements commonly requested by dealers and service shops—such as bodily injury and property damage to third parties, and limits structured to match customer exposure profiles—delivered through a variety of carrier forms and endorsements depending on the state.
Ideal accounts and common fits
Agents should consider this program for accounts such as:
- Independent new and used car dealers with retail sales and on-site servicing.
- Full-service repair shops, paint and body shops, and mobile detailing operations that handle customer vehicles.
- Valet operators and businesses offering pickup/drop-off or customer vehicle transport as part of service.
- Tire shops, lube and oil change shops, and RV/motorcycle repair shops with moderate limits and clean loss histories.
Underwriting notes and minimum premiums
As a managing general agency placing coverage with various carriers, Advanced E&S Group - Southeast Region evaluates accounts on operations, revenue, risk controls, and loss history. Accounts with regular test drives, valet or extensive customer transport, salvage reconditioning, or significant rental-type operations may require referral or supplemental terms. Minimum premium and specific terms vary by carrier and state; please submit full details (applications, recent loss runs, descriptions of operations) for accurate quotes.
Territories and admission status
This GARAGE LIABILITY program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Coverage is offered through various carrier markets and may include non-admitted (surplus lines) placements depending on state and appetite; availability of admitted paper varies by state and market.
Why place this business with Advanced E&S Group - Southeast Region
As an MGA focused on E&S garage exposures, Advanced E&S Group - Southeast Region provides agents with market access and underwriting expertise tailored to dealers and repair services. We work to match accounts to the carrier appetite, streamline submissions, and present coverage options that reflect each customer’s operations. For complex or larger accounts, our underwriters will work with you to identify potential risk-transfer solutions or appropriate endorsements.
Example fits
- You might have a small used-car dealer selling private passenger autos and offering limited service work who needs transaction-ready limits and garage liability — this program can provide competitive options through surplus or admitted markets where available.
- An independent full-service auto repair shop that also operates a valet service or mobile detailing business may benefit from tailored endorsements that address off-premises exposures.