Garage Liability Solutions from Burns & Wilcox
Automobile service and sales operations carry a mix of premises and auto exposures that can lead to significant property damage, bodily injury, and expensive litigation. Burns & Wilcox’ Garage Liability program is designed for independent agents and brokers who need flexible placement options for dealers, repair shops, valet operations and other garage-type risks.
The program provides both admitted and non-admitted market access and can be written as monoline or within a broader package. Underwriters focus on tailoring coverage to the account—whether you’re placing a single-location repair shop or a multi-location dealer group.
Target Classes and Ideal Accounts
This program supports a wide range of garage-related operations, including:
- New and used auto dealers
- Service and repair garages
- Heavy truck and trailer sales and service
- Motorcycle, RV, ATV, and boat dealers
- Valet and parking lot operations
- Auto auctions, classic car restorers, and salvage yards
Accounts that combine sales, on-site repairs, accessory installation, detailing, or full-service car wash operations are typically a good fit. The program is also suitable for specialty dealer operations such as classic car restorers and auction houses that need tailored liability and garagekeeper solutions.
Example scenarios you might place through this program:
- A regional used-car dealer with on-site service bays and a fenced open lot seeking combined premises and auto liability plus dealer’s open lot coverage.
- A valet operator handling high-value vehicles that needs garagekeepers, excess limits and optional cyber/pollution enhancements.
Coverage Features and Advantages
- Monoline Dealer’s Open Lot and Garagekeepers available
- Comprehensive package options: Garage Liability, Scheduled Autos, On Hook, Property, Business Income and more
- Access to both admitted and non-admitted carriers for placement flexibility
- Combined coverage for premises and auto liability to reduce gaps
- Optional enhancements—pollution, cyber liability, fire legal liability
- Dealer’s Errors & Omissions (E&O) and broad-form products for retail operations
- Drive-other-car coverage and excess limits where needed
- Multiple limit and deductible structures to match account size and risk appetite
Underwriting Notes and Availability
Burns & Wilcox underwriters evaluate accounts with attention to operations, claims history, physical security, repair procedures, and risk controls. The program’s admitted and non-admitted options give you flexibility on pricing and capacity—use the admitted market where available and competitive, or non-admitted when broader coverage or higher limits are required.
Be prepared to provide details on vehicle schedules, garagekeeper exposure, repair procedures, daily vehicle counts, and any on-site storage of fuels or solvents to streamline underwriting.
Territories Served
This program is available nationwide — all 50 states plus Washington, DC. Territory-specific availability and admitted status will depend on the carrier selected for placement.
Why Work With Burns & Wilcox?
As a leading managing general agency, Burns & Wilcox combines deep garage-industry underwriting expertise with broad market access. Agents benefit from tailored solutions for complex garage exposures, responsive underwriting, and the ability to package liability, property and ancillary coverages to reduce client gaps. Whether you need admitted paper for a local dealer or non-admitted capacity for an unusual risk, Burns & Wilcox can help you place it.