Garage Liability and Garagekeepers Insurance

Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance

As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program tailored for a wide range of auto-related businesses. This program is designed for independent insurance agents and brokers looking to place business in challenging or niche garage-related classes across ID, NV, and WA.

Ideal Accounts and Target Classes

Whether your client operates a repair facility, runs a car wash, or manages a used auto dealership, this program can help you secure the right coverage. Ck Specialty is particularly strong in placing accounts that fall outside the standard market appetite. Eligible classes include, but are not limited to:

• Auto Dealers – New, Used, Wholesale, and Internet-based
• Auto Maintenance, Repair, and Body Shops
• Recreational Vehicle and Motorcycle Sales & Repair
• Antique and Classic Auto Restoration
• Mobile Repair Units and Roadside Assistance Providers
• Valet Parking Services
• Auto Glass, Tinting, Upholstery, and Vehicle Wrap Services
• Salvage Yards, Dismantlers, and Utility Trailer Repair
• Heavy Truck Sales and Repair

If you have a client who runs a golf cart repair business or a tire shop offering roadside services, this program could be a great fit, especially if they’ve had difficulty finding coverage through admitted markets.

Coverage Highlights

Coverages included but not limited to:

Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insured, Broadened Coverages, and Property.

Limits Available include:

Up to $1 million / $3 million Liability; Up to $1,000,000 Garagekeepers coverage.

Underwriting Guidelines and Minimum Premiums

This is a non-admitted program written through various carriers, giving Ck Specialty the flexibility to find solutions for more complex risks. Minimum premiums start at $750 or $1,000 for package policies, depending on the class and exposures.

Ck Specialty evaluates risk based on operations, location, prior losses, and safety protocols. Businesses with mobile operations, salvage activities, or heavy truck exposures are welcome to submit for consideration.

Territories and Availability

This program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions from these states are welcomed and reviewed on a case-by-case basis.

Why Work With Ck Specialty

Founded as a family-owned and operated wholesale brokerage, Ck Specialty Insurance is committed to giving independent agents access to markets they can’t easily reach. As a Western-based MGA and Surplus Lines Broker, they have built strong carrier relationships and provide fast, responsive service for hard-to-place garage accounts.

Whether your client’s business is based in a rural area, operates with mobile units, or needs broader-than-average liability protection, Ck Specialty can help you open market doors and close deals faster.

Ck Specialty Insurance: Opening market doors…for you.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.