Overview of the Program From Demetriou Group
Demetriou Group offers a robust Garage Insurance program designed to meet the diverse needs of auto-related businesses. As a Managing General Agency (MGA) with access to multiple carriers, we help independent agents place hard-to-find and specialized risks across the auto repair and dealership segments. Whether your client operates a small mechanic shop or a multi-location dealership, our program delivers flexible solutions and broad coverage options.
Ideal Accounts and Appetite
Our Auto Repair Insurance program targets a wide range of garage-related operations, including but not limited to:
- New and Used Car Dealers
- RV Dealers and Repair Facilities
- Auto Body and Paint Shops
- Heavy Truck Repair Shops
- Private Passenger Auto Repair Shops
- Motorcycle Dealers and Repair Centers
- Auto Stereo and Alarm Installers
- Auto Detailers and Car Washes
- Valet Parking Services
- Impound Yards
- Gas Stations with Auto Repair Bays
- Trailer Dealers and Public Livery Repair Shops
If you work with clients in the automotive services space, chances are we have a solution for them. For example, you may have a client operating a combined gas station and repair garage, or a motorcycle repair shop looking for expanded liability protection—both are excellent fits for this program.
Coverage Highlights and Advantages
Our Garage program offers package policies with the flexibility to tailor coverage to fit your client's operations. Key coverage features include:
- Garage Liability Limits up to $5,000,000
- General Liability and Package Options
- Garagekeepers Coverage on a Legal Liability, Direct Primary, or Direct Excess basis
- Garagekeepers Limits up to $5,000,000 per lot and $150,000 per vehicle
- Dealer’s Open Lot Coverage with limits up to $5,000,000 per lot and $150,000 per vehicle
This comprehensive offering helps protect your clients from exposures including property damage to customer vehicles, liability for operations, and dealer inventory loss.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business, location, and specific coverage needs. We work closely with appointed agents to understand the risk and provide competitive terms where possible. Submissions with clean loss history and complete applications are more likely to receive favorable consideration.
Territories and Availability
This program is available in the following states: Connecticut (CT), Maine (ME), Massachusetts (MA), New Hampshire (NH), New Jersey (NJ), New York (NY), Pennsylvania (PA), Rhode Island (RI), and Vermont (VT). We offer both admitted and non-admitted options based on the risk profile and state requirements.
Why Work With Demetriou Group?
With decades of experience in the garage space, Demetriou Group understands the unique exposures faced by auto-related businesses. Our dedicated underwriting team offers fast responses, flexible solutions, and access to a wide network of carriers. Whether you’re placing a standard auto repair shop or a more complex dealer operation, our team is here to support your success.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target a broad range of garage-related businesses, including auto repair shops, dealerships, body and paint shops, gas stations with repair bays, and more.
Are you able to quote in multiple states?
Yes, this program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We can help agents place risks across this regional footprint.
What coverage limits are available?
We offer Garage Liability and Garagekeepers limits up to $5,000,000 per lot and $150,000 per vehicle, along with Dealer’s Open Lot coverage at the same limits.
What types of Garagekeepers coverage do you offer?
We can provide Garagekeepers coverage on a Legal Liability, Direct Primary, or Direct Excess basis, depending on your client’s needs.
Do you require a minimum premium?
Minimum premiums vary by risk type and location. Contact us with a completed submission to receive a tailored quote.
Need help placing an account? Connect with a market specialist.