Ideal Accounts and Appetite
This program writes a broad cross-section of garage classes. Typical accounts we place include:
- Auto repair shops, lube and oil change centers
- Classic and antique vehicle dealers and restorers
- Tow truck operations (non-fleet)
- Motorcycle, RV, and snowmobile repair and service
- Valet services, car washes, and roadside assistance providers
- Mobile mechanics and detailing operations
You might have a client who runs a rural truck stop with a repair bay and towing service — this program can provide comprehensive garage liability and related coverages. Another good fit would be a classic car restorer who needs dealers/non-reporting physical damage and garage keepers protection for customers’ vehicles.
Coverage Highlights and Advantages
J.M. Wilson’s Commercial Garage Liability Insurance includes core coverages agents commonly need to manage garage exposures:
- Garage Liability to cover premises and operations exposures
- Garage Keepers coverage with in-transit schedules
- Auto Physical Damage for scheduled service units
- Dealers Physical Damage — non-reporting options
- Medical Payments and Fire Legal Liability
- Garage Property with package enhancements
For full details on available package enhancements and limits of liability, please see the links provided below in the program description.
Underwriting Notes
We work with multiple carriers and will match submissions to the market best suited to the account’s operations and loss history. Typical underwriting considerations include operations performed on site, mileage and use of tow/service vehicles, claims history, employee training and certifications, and physical security of premises. Certain specialized classes — for example, bus conversions or hydraulic repairs — may require additional documentation, verifiable loss history, or proof of certifications.
Available States
This program is available in: GA, IL, IN, KS, KY, MI, MO, NC, OH, SC, TN, and WI.
Why Work With J.M. Wilson?
As an established MGA and E&S broker, J.M. Wilson gives independent agents and brokers access to markets that can write challenging garage risks. Our strengths include:
- Market access to both admitted and non-admitted carriers for flexible placement options
- Responsive underwriting and placement assistance to help you win business
- Resources and guidance specific to garage operations, including FAQs, videos, and agent tools linked below
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include auto repair shops, mobile mechanics, towing services (non-fleet), motorcycle and RV service businesses, classic car restorers, and valet or car wash operations.
In which states is this program available?
The program is available in GA, IL, IN, KS, KY, MI, MO, NC, OH, SC, TN, and WI.
Do you offer both admitted and non-admitted options?
Yes. We represent a variety of carriers—both admitted and non-admitted—so we can tailor placements to the account’s appetite and regulatory needs.
Can I submit unusual operations such as bus conversions or hydraulic repair?
Yes, those classes can be considered but typically require additional underwriting documentation, proof of certifications, and verifiable loss history.
Where can I find more details on coverages and limits?
See the package enhancements and limits link provided above for full details; contact a market specialist to review specific limits and endorsements for your submission.
Need help placing an account? Connect with a market specialist.