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INSURANCE MARKETS AGENCY INC
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INSURANCE MARKETS AGENCY INC
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Garage Liability Insurance

Garage Liability Insurance



INSURANCE MARKETS AGENCY INC offers a specialized Garage Liability Insurance program tailored for dealers and non-dealers throughout Pennsylvania. This program is ideal for independent agents and brokers seeking a reliable market for clients with auto-related operations. Designed to address a wide range of auto exposures—owned, non-owned, and hired vehicles—as well as premises and operations liability, it provides comprehensive protection for garage businesses.

Target Classes and Ideal Accounts

This program is structured to support a variety of garage-related operations, including both sales and service businesses. Target markets include:
  • Non-Franchised Auto Dealers
  • Auto Parts Stores with Installation (Including Mobile Services)
  • Auto Repair or Service Shops (Most Types of Repairs)
  • Full-Service Car Washes
  • Construction Equipment Sales & Service
  • Farm Equipment Sales & Service
  • Motorcycle and ATV Dealers
  • Vehicle Sales & Service Operations
  • Tow Truck Operators (Including Owned Trucks & On-Hook GKLL)
  • Used Truck Tractor Sales & Service
  • Wholesale Auto Dealers
This program is especially useful for agents with clients who operate mixed-use facilities, such as a repair shop that also sells used cars or a parts store that provides installation services.

Coverage Highlights and Options

Our Garage Liability program offers robust coverage that goes beyond basic liability. Available coverages include:
  • Garage Liability
  • Garage Keepers Legal Liability
  • Hired and Non-Owned Auto
  • Broadened Coverage Endorsements
  • Directors & Officers (D&O)
  • Errors & Omissions – Dealers, Odometer, and Title
  • Employment Practices Liability Insurance (EPLI)
  • Dealers Open Lot
  • Property Coverage
  • Service Vehicle Liability and Physical Damage
  • Special Events Coverage
  • Umbrella/Excess Liability
This broad offering helps agents place complex accounts with confidence, knowing that all key exposures are addressed under one program.

Underwriting, Carriers, and Minimum Premium

This program is placed through various carriers and is offered on a non-admitted basis. It is best suited for accounts with clean operations and a clear understanding of their exposures. The minimum premium starts at $525, making it accessible for a wide range of small to mid-sized garage operations.

Availability

Currently, this Garage Liability Insurance program is available exclusively in Pennsylvania (PA). Agents and brokers in the state can leverage this program as a competitive solution for placing hard-to-fit or niche garage risks.

Why Work with INSURANCE MARKETS AGENCY INC

As a Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC brings deep expertise and responsive service to every submission. With flexible underwriting and access to specialized carriers, we help agents place accounts that may not fit standard markets. Whether you're working with a mobile mechanic or a used truck dealer, our team—Ryan, Bill, Peter, or Joe Tierney—is ready to assist in crafting the right solution for your client.

To learn more about our Garage Liability Insurance or any of our other specialty programs, give us a call at 570-586-1417.

Frequently Asked Questions

What types of accounts are a good fit for this Garage Liability program?

This program is ideal for non-franchised auto dealers, repair shops, mobile service providers, tow truck operators, and equipment sales and service businesses in Pennsylvania.

Is this Garage Liability Insurance program available outside of Pennsylvania?

No, this program is currently only available for risks located in the state of Pennsylvania.

What is the minimum premium for this program?

The minimum premium starts at $525, depending on the specifics of the account and coverages selected.

Can I include on-hook and service vehicle coverage under this program?

Yes, the program can include coverage for owned tow trucks and on-hook Garage Keepers Legal Liability (GKLL), as well as service vehicle liability and physical damage.

Which carriers are used for this program?

This program is placed through a variety of carriers on a non-admitted basis. Carrier selection depends on the risk profile of the account.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A+ Or Better
  • Commission:
    Varies
  • Min Premium:
    $525

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CONTACT INFORMATION

LOCATION

261 east grove street
clarks summit , PA 18411
570-586-1471
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INSURANCE MARKETS AGENCY INC has other insurance programs like Artisan Contractors Insurance.